LCL Group (Loredo/Cisternas/Lacayo) at Morgan Stanley

Bernard has an MBA in Finance from The Wharton School-University of Pennsylvania and B.S. in Accounting from Villanova University. He spent over 35 years as a wealth adviser helping highly successful families manage their investments. Bernard joined Morgan Stanley in March of 2016 and has been recognized as a Forbes Best in State Advisor 2022. Previously, he spent 20 years with Credit Suisse Private Bank in Miami. Prior to Credit Suisse, he was President of Ladenburg Thalmann Asset Management in New York. He began his Private Banking career at Citibank in New York working with many high net worth Latin American families. He is registered as a Portfolio Manager, Director of Alternatives, and holds Series 7 and 66 Licenses.

​Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022, Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21, 6/30/21-6/30/22

Rafael has over 23 years of industry experience in financial markets. Rafael was managing director at Oppenheimer in Chile. He then joined Lehman Brothers in the US, working with wealth families and large institutions. He then joined Credit Suisse’s private bank, working there for 15 years, after which he came to Morgan Stanley International Wealth Management. Rafael holds Series 7 and 66 licenses.

Raul has an MBA from Northwestern University’s Kellogg School of Management and a BA in Quantitative Economics from Tufts University.

He joined Morgan Stanley in 2016 and has been recognized as a Forbes Best in State Advisor 2023, Forbes Best in State Advisor 2022, and previously as a Top Next Generation Advisor in 2020 and 2018, as well as a Forbes Best-in-State Next-Gen Advisor in 2019. Previously he worked at Credit Suisse’s private bank for 8 years.

Raul focuses on asset allocation, fixed income, alternative investments and helps families with their lending needs. He is a Portfolio Manager and Alternative Investments Director at Morgan Stanley, and holds Series 7 and 66 licenses.

Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022, Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21, 6/30/21- 6/30/22

​2018 & 2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018 & 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

​Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.

Andres joined Morgan Stanley International Wealth Management on August 2018. Prior to joining, he worked as a financial analyst for JPMorgan Chase & Co’s Latin American Controller team during the summer of 2017. As an undergraduate at Villanova University, he was part of a team of students that helped manage the investments of the Arnone-Lerer Alumni Fund. Andres graduated Summa Cum Laude from the Villanova School of Business, where he was a member of the Beta Gamma Sigma International Business Honors Society. He holds the Series 7 and 66 licenses.

Maria has over 28 years of experience in the Financial Services Industry. She started her career with ED & Man Investments and then spent the next 6 years with Prudential Securities working with one of the top brokerage teams.

She later joined UBS International for 8 years where she was responsible for Trading and Daily Operations of the Top Brokerage Team there that handled Private Clients and Institutional Clients.

Currently, She has been with Morgan Stanley since 2009 where she oversees relationships with High, Ultra High Net Worth and Institutional Clients from Latin America.

Maria is a very seasoned and experienced Investment Professional with exceptional understanding of wide range of Investments and Investment Planning. She has superb skills in relationships with some of the top clients of the firm.

Maria graduated with a Bachelor of Arts in Communications from Florida State University. She also attained an Associate of Arts from University of Missouri: Columbia.

She current holds Series 7, Series 63 and 65 Licenses and Series 3. Maria is fluent in Spanish, Portuguese and English.

Raul has over 24 years of industry experience in financial markets. Raul started his career at Donaldson Lufkin and Jenrette in 1995 then spent the next 20 years with Credit Suisse Private Bank Miami. He later joined Morgan Stanley on February 2016. Raul has a strong operational background and focuses on trading equity, fixed income, and options. He currently holds the Series 7, 63 and 65 licenses.

Gabriela Lopez de Haro is a Wealth Management Associate and has been with the team since 2015. She has a Bachelor’s Degree in Economics and International Relations from Boston University and a Master’s Degree in Management from Universidad de Navarra in Spain. She holds the Series 7 and Series 66 licenses.
Gabriela focuses primarily on advisory and managed accounts, alternative investments, mutual funds, and preparing performance and asset allocation reports for Financial Advisors.
Prior to joining Morgan Stanley, she worked at ABN-AMRO and Mercantil Commercebank in Private Banking and at Credit Suisse as an analyst.

Cristina Diaz joined Morgan Stanley as a Private Wealth Management Registered Associate in 2020. Her financial services experience began in 2004 at Banco Popular de Puerto Rico. On 2006 she started working at Citigroup, in different locations such as Puerto Rico and Miami, Florida, providing Wealth Management services to High Net Worth clients, with a special focus in the US and Latin America. She gained investment experience while working various rolls (service assistant, VP Banking Advisor and VP Financial Advisor) for 13 years at Citigroup. She holds a B.A. in Finance from the Interamerican University of Puerto Rico. Licenses: FINRA Series 7, FINRA Series 66, FINRA Series 11 and FL 2-15.

Saul Lola joined Morgan Stanley as a Registered Client Associate in 2025. He started his career at an Registered Investment Advisor office in 2021 and later moved to Raymond James Financial in 2023. He graduated from Florida International University with a Bachelors Degree in Business Administration with a major in Finance. Saul currently hold the 2-15 Florida Life, Health and Annuities License along with the Series 7 and Series 66 License.