The BPCG Group at Morgan Stanley

Ricardo Bembibre is a seasoned financial advisor at Morgan Stanley, based in Miami, Florida, with +30 years of experience in the financial services industry.

Ricardo began his career in financial planning at Citibank Buenos Aires. In 2002, during one of Argentina’s most severe economic crises, he was relocated by Citibank Argentina to the United States. In May 2017, Ricardo and his team transitioned to Morgan Stanley.

At Morgan Stanley, Ricardo holds the position of Senior Vice President and Alternative Investments Director. He manages a diverse portfolio of assets for clients across the Americas, Europe and Middle East (including USA, Mexico, Argentina, Chile, Ecuador, UAE, Spain and Central America among others). He provides tailored financial planning services, portfolio management for individuals and institutional clients, and pension consulting services.

Ricardo's background includes tenures at Citigroup Global Markets Inc. and Morgan Stanley Smith Barney LLC, where he developed his skills in investment strategy and client relationship management. He holds Several FINRA licenses, certifying him as both a securities agent and an investment advisor representative, allowing him to offer a comprehensive range of investment advisory services.

Ricardo co-founded BPCG Team in Morgan Stanley, where eleven tenured professionals work together. Their practice emphasizes intentional listening and values continuity. Their investment approach acknowledges uncertainty and complexity, prioritizing risk management. This prudent, benchmark-agnostic, and opportunistic approach aims to bring clarity and calm through sustained investment success and coaching.

Their clients include visionary founders, corporate executives, professional investors, and accomplished athletes, all facing unique challenges. Ricardo and his team, collaborate with other trusted professionals to construct customized investment strategies, borrowing and liquidity management solutions, integrated trust and estate plans, philanthropic strategies, and next-generation financial education programs.

Ricardo is committed to helping clients achieve their financial goals through personalized and strategic investment solutions.

His office is located at 200 South Biscayne Boulevard, Suite 1400, Miami, FL 33131.

Outside of his professional life, Ricardo resides in Key Biscayne, Florida, with his wife Vanesa and his three children, Sol, Lucas and Sofia. Ricardo enjoys travelling, playing pádel and golfing (work in progress).

RODOLFO GARZA is a Financial Advisor and International Client Advisor.
He began his career in 1998 in the last semester of College as Wealth Management Banker in Banamex, S.A. Mexico, then CitiBanamex, where he was promoted to be a Financial Advisor with Citibank, N.A. in 2006 at the Miami office with focus in Mexico until 2017 when he moved to Morgan Stanley with his team.

Rodolfo attained an MBA degree from Université d Québec à Montréal focused on Banking where he graduated in 2006.

He was recognized as Century Club Level by Morgan Stanley for 2021 and 2022. He is an Alternative Investments Director.

Rodolfo is focused on the client’s needs and goals through his experience working in the Wealth Management industry for the last 20years in Mexico and the USA. That multicultural and bilingual knowledge and the group he is part of, has enriched the level of service he has provided over the last 2 decades.

He has been married to his college sweetheart for over 20 years and they have 2 daughters who moved with them from Mexico. On the spare time he is an avid golf lover and sports fan. He works in his dream job.

Our group focuses on building and growing your trust on the taking care of your Wealth and Financial Assets to meet your goals. We advise families and individuals not just in Investments but on the personal finance and Estate Planning strategies with the vast resources of a global financial services firm like Morgan Stanley. The primary objective of wealth preservation is to protect and grow one's wealth over time. As investors, we face various risks that can erode our hard-earned savings. Therefore, it is crucial to diversify our portfolios across different asset classes, sectors, and geographies and work with a trusted advisor who can help you navigate these challenges and implement a customized strategy aligned with your financial goals, risk tolerance, and liquidity needs.

Before Joining Morgan Stanley, Xavier spent 16 years with Citibank. Five out of this sixteen at the Consumer bank where he started as a Vice-president later on becoming a Wealth Management Senior Vice-president to conclude his term at Citi as a Wealth Management International Client advisor Director.

Now an Executive Director, Xavier is a 24-year veteran in the financial services Industry who works closely with domestic and international clients to make sure they maximize their level of comfort at retirement aligning client investment portfolio with their specific goals offering coaching and advise for his clients and their families along the way.

Xavier has built his career working with many of the leading wealth-generating families in Mexico. He works closely with his clients to help maximize portfolio efficiency and ease the transition of wealth from generation to generation developing plans for his clients that go far beyond investment management to encompass risk management, estate planning, lending and succession.

He holds a bachelor’s degree in business management form Universidad Anahuac, a Corporate Finance Degree from ITAM and an MBA from IPADE Business School. He also holds a Securities and Investments designation From the Wharton School of the University of Pennsylvania.

Born in Mexico City he resides since 2006 in Miami Florida with his partner in Life Patricia and his daughter Sophia. He is an avid sport and outdoors enthusiast practicing Kite Surf, Motorcycling, Mountain Bike, Scuba Dive, Golf and tennis.

NMLS# 2648664

JUAN PATRICIO CONWAY brings over 20 years of wealth management experience to the service of the team’s clients. Having worked with Latin American clients throughout his career, Juan Patricio focuses his attention on creating and implementing highly customized investment strategies to meet the precise needs of affluent South and Central American families.

He began his career in 1999 in Citibank NA, Argentina. In 2002 he moved to from Buenos Aires to Miami working as a Junior Private Banker at Citi Private Bank. In 2008 he moved from Citi Private Bank to Citi International Personal Banking where he worked as a Financial Advisor, this was until 2017 when he and his team moved to Morgan Stanley.

A native Argentinian, fluent in English and Spanish, Juan Patricio attended the Pilgrims’ College in Buenos Aires, Argentina. He has a Business Administration from Universidad Argentina de la Empresa (UADE) and a Finance degree from Universidad de San Andres (UdeSA).

Juan Patricio is married to Dolores Rosaz and have two have two young adult children. He is a avid golfer and skier and loves rugby.

Our group focuses on building and growing your trust on the taking care of your Wealth and Financial Assets to meet your goals. We advise families and individuals not just in Investments but on the personal finance and Estate Planning strategies with the vast resources of a global financial services firm like Morgan Stanley. The primary objective of wealth preservation is to protect and grow one's wealth over time. As investors, we face various risks that can erode our hard-earned savings. Therefore, it is crucial to diversify our portfolios across different asset classes, sectors, and geographies and work with a trusted advisor who can help you navigate these challenges and implement a customized strategy aligned with your financial goals, risk tolerance, and liquidity needs.

Roberto Gamarra is a Financial Advisor and International Client Advisor.
He began his career in 1997 Citibank Buenos Aires, Argentina doing planning for credit cards. Since 1999 he has been a Financial Advisor first in Buenos Aires focused on onshore and offshore investments and after one of many crisis in Argentina he was relocated to Puerto Rico in 2002 to focus in the offshore investments of Latin American clients. In 2017 after 20 years in Citi he moved with the Team to Morgan Stanley.

He studied Business Administration in Universidad Catolica Argentina and has a post-graduate in Finance. He is also a CFA charterholder.

He has an analytical mindset, and his main function in the Team is to focus on research and products to help with portfolio investments.

He is happily married and father of five boys. He likes to practice sports to balance his favorite activity which is food discovery.

Erika Joined Morgan Stanley in July 2021. She had worked at Citibank for the previous seven years.

Erika holds a Bachelor of Law from Anahuac University in Mexico and a Master in Corporate Law from the same University.

Erika was born in Mexico and has lived in Miami for almost 21 years now. She is Fluent in Spanish and English

Erika is a dog lover and supports different Animal Associations. She enjoys traveling and spending time with her family.

Claudia Landinez Guzman was born and raised in Colombia. She is happily married with two children and lives in Florida since 2004.

She graduated from Colegio Mayor del Rosario with a degree in Law and subsequently completed a MBA from Instituto Tecnologico de Monterrey.

Prior to joining Morgan Stanley in 2017, Claudia worked as AVP Senior Relationship Manager in Citi IPB Commercial Business for companies located in Guatemala, El Salvador, Colombia and Panama.

In Colombia she worked as Commercial Area Manager in Banco de Occidente Bogota, where she handled key account management for top multi-national companies guiding a team of 8 relationship managers.

Claudia is fluent in Spanish and English and has a keen interest and exercising (running, hiking, yoga, and weight training) and traveling.

Born and raised in Cuba, lived 8 years in Italy and then moved to Miami, Florida. Jenny has over 15 years of experience in International Banking with a strong focus in providing excellent customer service.

Prior to joining Morgan Stanley, she worked at Santander Private Banking, Credit Agricole Group and Citibank.

Jenny is fluent in English, Spanish and Italian. She loves the outdoors, traveling and spending time with her family.