Ruben Benharrouch, CPWA®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(305) 466-4812(305) 466-4812
My Mission Statement
Our goal is to help business owners keep more of what they earn, manage their financial risk—and grow their wealth for generations to come.
My Story and Services
It’s all about you and your family. Making sacrifices today so you’ll always be able to provide for them. Why else would you be driven to work so hard?
We’re wealth managers who focus on the unique needs of business owners. We take your success very seriously. We’re craftsman who are highly experienced in building wealth—and working with you to help preserve it for generations.
A holistic approach to wealth management
Think of us as the CFO for your personal financial life – experienced at managing assets and mitigating risks. We’ve even turned sophisticated lending into an opportunity to create synergy between both sides of your balance sheet. And with that insight, comes new growth opportunities.
An investment in technology
It’s not only our people who are at the top of their class, our financial tools are ahead of the curve. Morgan Stanley invests considerably in technology that forges a path to a more tax-efficient strategy. And when we present you with a custom allocation, your expectations for risk and return are properly set.
Our goal is to build your wealth. Build your financial confidence. And above all, build a relationship that propels your success forward. We simplify the complex and create a roadmap that helps you feel more secure today and confident about the future.
We’re wealth managers who focus on the unique needs of business owners. We take your success very seriously. We’re craftsman who are highly experienced in building wealth—and working with you to help preserve it for generations.
A holistic approach to wealth management
Think of us as the CFO for your personal financial life – experienced at managing assets and mitigating risks. We’ve even turned sophisticated lending into an opportunity to create synergy between both sides of your balance sheet. And with that insight, comes new growth opportunities.
An investment in technology
It’s not only our people who are at the top of their class, our financial tools are ahead of the curve. Morgan Stanley invests considerably in technology that forges a path to a more tax-efficient strategy. And when we present you with a custom allocation, your expectations for risk and return are properly set.
Our goal is to build your wealth. Build your financial confidence. And above all, build a relationship that propels your success forward. We simplify the complex and create a roadmap that helps you feel more secure today and confident about the future.
Securities Agent: NJ, MD, MA, TX, NY, NC, FL, PR, KY, DE, VA, IL, AL, TN, GA, CA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 872652
NMLS#: 872652
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
So…what’s your retirement number
Whether you’re a business owner, attorney, or corporate executive, one thing all our clients have in common is they want to know their “number”. Exactly how much will it take to retire comfortably and feel confident about the well-being of their family? That all starts with a deeper dive into financial planning.
Financial Planning
Between today’s markets and the financial media it’s easy for even the savviest investor to feel confused. That’s why we create a detailed financial roadmap that’s easy to follow. We incorporate sophisticated risk management tools to build you a plan that presents a clear path forward. So instead of getting distracted by market noise and media hype, you’ll be able to focus on what you do best — growing your business.
Investing
We believe in preserving and growing your wealth over time. The most important determinant of investment performance is making sure that your asset allocation is properly diversified. We’ll meet with you regularly to ensure that your goals and allocation are consistently in sync.
Trust & Estate Planning
Trust and Estate Planning really is about providing peace of mind for yourself and your loved ones. We work collaboratively with your attorney to create the plan that fits your family. And for those of you with more complex estates, we offer direct access to our Family Office Resources team.
Insurance
We selectively recommend insurance to manage risk—and in some cases transfer wealth. You’ll have access to a full array of life insurance and annuity products to meet your unique challenges.
A CFO for your Personal Financial Life
We specialize in helping business owners do more with their wealth. Everyone knows that making your first million feels great and reaching five million feels even better. And by the time you get to $10 or $25 million, you start to realize you have more than just money to manage.
Our clients have clear strategies for running companies but are often challenged when it comes to managing their personal financial lives. Our experience helps guide your growth. Our technology looks for ways to minimize your risk and mitigate taxes. Our dashboard enables you to see all of your investments and liabilities in one place, so you’ll have a vision for where you’re going.
When everything works together, it can open new doors for you and your business. And most importantly, it creates an impactful legacy for your children, grandchildren and great-grandchildren.
• Expertise in managing wealth for business owners
• Sophisticated technology to manage risk and mitigate taxes
• Tax Loss Harvesting
• Legacy planning
Our clients have clear strategies for running companies but are often challenged when it comes to managing their personal financial lives. Our experience helps guide your growth. Our technology looks for ways to minimize your risk and mitigate taxes. Our dashboard enables you to see all of your investments and liabilities in one place, so you’ll have a vision for where you’re going.
When everything works together, it can open new doors for you and your business. And most importantly, it creates an impactful legacy for your children, grandchildren and great-grandchildren.
• Expertise in managing wealth for business owners
• Sophisticated technology to manage risk and mitigate taxes
• Tax Loss Harvesting
• Legacy planning
Providing for your family today. And for the road ahead.
Next Generation Education
By the time many of our clients reach the point where they can benefit most from our services, their kids are in their teens or finishing up college. That’s a crucial time to connect with them about making money, saving money, investing, entrepreneurship, estate planning and what it means to be the beneficiary of a trust. We provide the next generation with the knowledge needed to make good financial choices and begin to “pick up the baton”.
Lifestyle Advisory Group ($10M in AUM)
Planning for the future is important. So is living for today. So we make it easier to enjoy your achievements through our Lifestyle Advisory Group. Our clients who hold over $10M with us get to experience a range of concierge services reserved for a select few.
• Buying, leasing or sharing a jet
• College and admissions counseling
• Eldercare services
• Experiences, Travel and Luxury Vacations
• Tickets to Theater, Concerts and Sporting Events
• Buying, leasing or sharing a jet
• College and admissions counseling
• Eldercare services
• Experiences, Travel and Luxury Vacations
• Tickets to Theater, Concerts and Sporting Events
Family Office Resources ($25M in AUM)
Significant wealth raises a whole new level of complex challenges and multigenerational issues. That’s why we’re able to provide clients with over $25M in assets under our care direct access to Morgan Stanley’s Family Office Resources. This team includes:
• 60 former CPAS and attorneys
• Experts in Generational Wealth Transfer
• Strategists that help minimize tax obligations
• Experts in philanthropic giving
• 60 former CPAS and attorneys
• Experts in Generational Wealth Transfer
• Strategists that help minimize tax obligations
• Experts in philanthropic giving
Client Service Team
Jennifer Linares - Client Service Associate
Phone:
(305) 466-4815(305) 466-4815
Email:Jennifer.Linares@morganstanley.com
I’m proud to be part of the Grossman Benharrouch Group at Morgan Stanley. As an expert in operations, I oversee the day-today servicing of all our accounts. I take tremendous pride in my work and am very detail-oriented. Clients have full confidence that when they call with a request, I will follow through.
I moved to the U.S. from Cuba in 2007. I graduated from Keiser University where I studied Business Administration and Accounting. My career started at Wells Fargo as a Personal Banker and then I worked a Relationship Manager at Bank of America. This last position lead me to become a Client Associate at Merrill Lynch where I discovered my passion for delivering superior customer service and helping clients achieve their financial goals.
Miami is my home and I love the culture of our community. I enjoy the beach, paddle boarding and dining out with friends and family. I also love to travel, and have recently been to Japan, England and Peru.
I moved to the U.S. from Cuba in 2007. I graduated from Keiser University where I studied Business Administration and Accounting. My career started at Wells Fargo as a Personal Banker and then I worked a Relationship Manager at Bank of America. This last position lead me to become a Client Associate at Merrill Lynch where I discovered my passion for delivering superior customer service and helping clients achieve their financial goals.
Miami is my home and I love the culture of our community. I enjoy the beach, paddle boarding and dining out with friends and family. I also love to travel, and have recently been to Japan, England and Peru.
Location
20807 Biscayne Blvd 5th&6th
Fl
Aventura, FL 33180
US
Direct:
(305) 466-4812(305) 466-4812
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Ruben Benharrouch today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
3Morgan 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.
4Alternative 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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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
2When 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.
3Morgan 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.
4Alternative 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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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)
