Rosa Leace
My Mission Statement
About Me
As a Financial Advisor, I have the privilege and ability to help my clients identify their financial goals, become more comfortable with the markets and ultimately take control of their financial future.
Prior to making any financial decisions, I make sure we take time to clearly define two key items. First, what financial success means to you and second, what your unique risk profile is. With this knowledge, I am able to help you establish objectives, develop an appropriate strategy and begin to recommend different methods to reach your goals. We will review your progress on a regular basis to ensure your goals and strategies remain consistent with any changes that may take place in your personal or professional life.
I specialize in portfolio management, asset allocation and alternative investment strategies. With these skills I focus on working with affluent clients to solve complex asset, liability, risk management and wealth transfer needs. Prior to joining Morgan Stanley in 2016, I worked at Merrill Lynch and Bank of America where I gained extensive capital market experience - working with traditional and non-traditional asset classes, especially the use of international investments.
I attended the University of Miami where I studied International Finance & Marketing and fell in love with the city. Outside of work, I am completely fluent in Spanish and often volunteer for local organizations in my community that help women and children in distress. I have been married for almost 30 years, with 2 children and live in Broward Country, FL.
- Cash ManagementFootnote1
- Divorce Financial AnalysisFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Lending Products
- Long Term Care InsuranceFootnote5
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
NMLS#: 521995
Working With You
I can help you with a particular financial need or create a comprehensive plan that takes all of your financial needs and goals into account. My method looks at your wealth from all sides. This leads to solutions that not only have the ability to help you achieve your financial goals but also to transcend them and safeguard against unforeseen life events.
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Financial plan preparations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
After the financial plan presentation, I will follow up with you regarding my analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments and saving/benefit modifications.
Finally, I will be consistently monitoring your assets and analyzing your performance tracking data seeking to ensure you financial expectations are being met and adjusted accordingly. I will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
A Personally Tailored Plan
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley has to offer, allows us to create a plan to translate your goals into reality.
Whatever your financial goal – whether to grow your wealth, preserve it or pass it on to others, you can count on me to help you with a strategy that is:
Highly individualized and committed to helping you achieve financial success.
Responsive to changes in your life and in your priorities over time.
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
To begin your complementary financial planning analysis, please click one of the links below.
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
A Focused Approach to Investments
I have structured my Portfolio Management program to help you meet your specific financial needs and will be managed on a fully discretionary basis. Leveraging the global resources of Morgan Stanley, I will monitor the events that affect your financial objectives. Furthermore, I study trends and developments that shape the investment environment, drive the economy and ultimately impact your portfolio's performance. In managing your portfolio, I will offer guidance in both ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
I follow a four-step process that helps you develop a long-term perspective about your investments. I will:
Work with you to establish a realistic set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.
Develop an investment strategy designed to help produce optimal portfolio performance: the highest return potential consistent with the strategy's level of risk.
<if !supportLists>1) <endif>Develop an investment strategy designed to help produce optimal portfolio performance: the highest return potential consistent with the strategy's level of risk.
Track your portfolio's performance relative to your stated objectives— and modify the portfolio on a discretionary basis as your needs and circumstances change over time.
Solutions Tailored to Your Situation
I am privileged to work with a broad range of High-Net-Worth Families, Business owners, Corporate Executives, Individuals Experiencing Change of Life Events, Legal & Medical Professionals, and Liquidity Events. I take pride in building long-term relationships with my clients as well as maintaining an exceptional level of professionalism. I give my clients the confidence needed to navigate a challenging financial world through personalized service, transparency, and a perspective flourished through over a decade of experience.
I have experience working with High-Net-Worth Families, providing comprehensive wealth management services – including investment management, tax planning, estate planning and risk management – tailored to the unique needs and goals of your family.
I provide specialized guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax planning, employee benefits, succession planning and more.
Custom tailored advice and solutions to help you manage your unique financial needs, including executive compensation, wealth preservation and retirement planning.
In cases of marriage, birth of a child, change in employment, inheritance, or retirement it is important to have a plan in place to be prepared for financial implications along with prepared strategies to achieve your goals.
Many of my clients have complex business arrangements/ As your Financial Advisor, I can help you navigate the complexities of working in a high-pressure environment and remaining on track to reach your financial goals through investments, outside business opportunities and risk management.
Provide guidance to help you optimize your financial outcomes during liquidity events such as the sale of business or real estate, by developing a comprehensive plan that accounts for your tax situation, risk tolerance and long-term financial goals.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
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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.
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