Emmanuelle Theard
Wealth Management Associate
Phone:
(305) 377-4297(305) 377-4297
Richard Earle
Executive Director, Wealth Management,
Financial Advisor
Direct:
(305) 377-4290(305) 377-4290
My Mission Statement
A great Financial Advisor possesses a blend of expertise, empathy and communication skills. They must have a deep understanding of financial markets, investment strategies, diverse financial products and a commitment to ethical practices. With 25 years of experience, we can help clients achieve their aspirations and guide them towards financial stability.
My Story and Services
As an Executive Director at Morgan Stanley with over 25 years of experience, I specialize in guiding clients toward achieving their financial goals through tailored investment strategies, in-depth market knowledge, and a commitment to ethical practices. Fluent in English, Spanish, French, and with a working knowledge of Portuguese, I am well-equipped to serve a diverse clientele, delivering personalized financial solutions.
As your Financial Advisor, I am dedicated to helping you define and achieve your goals by leveraging a broad array of resources tailored to how you invest and what you aim to accomplish. My success has been built on working with clients to preserve and grow their wealth. You'll have access to some of the world's most respected investment professionals, a premier trading and execution platform, and a comprehensive range of investment choices.
Outside of work, I am an active member of the Riviera Country Club in Coral Gables and the Coral Reef Yacht Club in Coconut Grove. My hobbies include traveling with my family, winter skiing, golf, tennis, and enjoying various outdoor activities. I am also deeply committed to giving back to my community through charitable work with the Dolphins Cancer Challenge, Mount Sinai Medical Foundation, and Big Brothers Big Sisters of Miami.
Married with three children, I understand the importance of building lasting relationships based on trust, communication, and results-driven financial planning.
Languages
- English, Spanish, French and Portuguese
Clubs and Philanthropy
- Riviera Country Club in Coral Gables
- Coral Reef Yacht Club in Coconut Grove
- Dolphins Cancer Challenge
- Mount Sinai Medical Foundation
- Big Brothers Big Sisters of Miami
Securities Agent: OR, TX, FL, SD, NY, PR, PA, WI, GA, VA, MI, DC, CO, CA, HI, WY, CT, DE, MD, MA, IL; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal, professional and philanthropic goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We then reach out to your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Wealth Management
a. Cash Management
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection Planning
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
Financial Planning and Investment Management
a. Customized Financial Plan
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
i. Alternative Investments
Estate and Philanthropy Management
a. Family Governance and Wealth Education
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
Executive Wealth Management
a. Executive Compensation and Benefits Analysis
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
INTERNATIONAL WEALTH MANAGEMENT
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world's most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. We are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Legacy Architects, Crafting Lasting Prosperity for Generations
When multi-generational families want their legacies to thrive, they come to us. Our family office style services are unparalleled, focusing on a holistic approach that goes beyond the realm of traditional private wealth management.
With confidence and expertise, we preserve your family's prosperity and values. Our handpicked team of seasoned professionals understands the intricate dynamics of families like yours, ensuring a bespoke experience tailored to your unique needs and aspirations.
We strive to keep tradition alive, while embracing innovation for the select families that we work with. From comprehensive investment strategies to the full suite of advanced planning solutions, we curate services that shine a light on your family's greatness, ensuring a remarkable future for generations to come.
What You May Need
- Investment Management
- Access to Alternative Investments
- Cash Management Solutions
- Consolidated Reporting
- Comprehensive Wealth Planning
- Working With Your CPA & Estate Attorney
- Pre-Liquidity Planning
- Tax, Trust & Estate Advisory
- Charitable Gifting & Giving Strategies
- Family Governance & Wealth Education
- Access to Cash Management & Lending
- Risk Management
- College & Education Funding Solutions
- Disclaimer: Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Dedication and Commitment to the Global Investor
Part of a global financial services legacy that dates back over 150 years, Morgan Stanley has emerged as on the very few truly global institutions with the scale, scope and commitment to serve the international investor.
While high net worth individuals, families and businesses tend to share certain challenges regardless of where they live and operate, those who invest in accounts based outside of their home countries typically face additional strategic, administrative and compliance concerns. The substantial investment Morgan Stanley has made in the formation of our
international wealth management business capabilities is an expression of our commitment to continually expand the
range and level of services we offer.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 377-4290(305) 377-4290
Meet My Team
Mell Dilor
Registered Associate
Phone:
(305) 714-7255(305) 714-7255
Santiago Romero
Wealth Management Associate, Financial Planning Specialist
Phone:
(305) 347-6209(305) 347-6209
About Emmanuelle Theard
Emmanuelle has been in the wealth management industry for over 20 years and has worked with Richard for over 15 years. She has an extensive understanding of financial markets and the industry in general and has been a key partner in ensuring clients are put first. Her dedication to service and her ability to engage with clients makes her integral to the client experience at Morgan Stanley. Emmanuelle is an avid reader who loves to travel and is enjoying her very first grandson.
About Mell Dilor
Mell is one of the founders of Avenue Securities, a Brazilian Broker-dealer, and has experience as a Financial Educator and Relationship and Investment Manager. She holds an MBA from FGV-Rio and is fully licensed in US with Series 7 and Series 66. Mell is native in Portuguese and fluent in English.
Recently joined our team as Registered Associate providing operational support within Morgan Stanley Wealth Management Field, dealing with daily basis needs such as KYC, AML, money movement and documentation.
Recently joined our team as Registered Associate providing operational support within Morgan Stanley Wealth Management Field, dealing with daily basis needs such as KYC, AML, money movement and documentation.
About Santiago Romero
Santiago joined the financial services industry in 2019 and began working at Morgan Stanley in 2022. He plays a pivotal role in the development, implementation and maintenance of investment portfolios. His primary duties include conducting thorough market analysis, portfolio management, trading, and providing operational support. Driven by his passion for excellence and commitment to continuous learning, Santiago ensures the highest level of service and value to our clients.
Santiago graduated from The George Washington University with degrees in Finance and Economics. During his free time, he enjoys to play padel, fish, travel and spend time with his family and friends.
Santiago graduated from The George Washington University with degrees in Finance and Economics. During his free time, he enjoys to play padel, fish, travel and spend time with his family and friends.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Richard Earle today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
