Robert Brett, CMT, CFP®
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Senior Investment Consultant, Financial Advisor
Phone:
(407) 849-4743(407) 849-4743
The Citrus Group at Morgan Stanley
Robert Brett, CMT, CFP®Herb Means, CFP®Daniel Murphy, CFP®Anne Marie Williams, CFP®, CMTJames SquillanteGaury Hernandez Rogers, CFP®Sarah GoldsmithDamon Nicholson, CFP®
Direct:
(407) 849-4774(407) 849-4774
Toll-Free:
(800) 869-0007(800) 869-0007
Industry Award WinnerOur Mission Statement
To help our clients achieve their own unique goals by managing their assets, seeking to protect their wealth, and building their financial legacies.
About Us
The Citrus Group serves clients with a consultative, team-based approach that examines all aspects of their financial lives. We help create specific goals for our clients, their families and their businesses, and develop a financial plan designed to achieve those goals. We work through a detailed wealth management process to ensure these issues are reviewed and addressed; and we use an organized approach to ensure our clients receive regular and meaningful communication.
Our team follows a disciplined investment management process utilizing technical analysis and structured risk management processes and techniques.
The Citrus Group includes professionals with over 250 years of combined wealth management experience, including being business owners and in management, which helps our team perform with entrepreneurial drive and determination to deliver excellence to our clients.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Our team follows a disciplined investment management process utilizing technical analysis and structured risk management processes and techniques.
The Citrus Group includes professionals with over 250 years of combined wealth management experience, including being business owners and in management, which helps our team perform with entrepreneurial drive and determination to deliver excellence to our clients.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Services Include
- 401(k) Rollovers
- Cash ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Business Succession PlanningFootnote4
- Divorce Financial AnalysisFootnote5
- Executive Financial ServicesFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Wealth Consulting
- Professional Portfolio ManagementFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
High-Net-Worth Families
Navigating the financial landscape as a high net worth family involves addressing diverse needs such as wealth transfer, investment diversification, and charitable giving. Our advisors deliver personalized strategies in investment, estate, and tax planning, helping create financial security for generations.
Corporate Executives
Whether you are planning for retirement, looking to exit your business, or understand your company stock options, we are there every step of the way providing a holistic approach to all of your options with in depth financial planning and analysis.
Business Owners
Our team applies decades of experience and a vast array of world class resources to help you navigate each stage of your professional life. Whether that is starting a new business, selling your business, exercising a large accumulation of company stock options or figuring out the best retirement plan for your company.
Retirees
Retirees look to secure their financial future while enjoying the fruits of their labor. We offer guidance in managing retirement income, optimizing investments, and planning for healthcare needs, ensuring a stable and rewarding retirement journey.
Institutions
Institutions require a nuanced approach to financial management, considering factors such as liquidity needs, regulatory requirements, and market volatility. Our deep experience and comprehensive resources empower institutions to make informed decisions that support their mission and objectives.
Endowments & Foundations
We support endowments and foundations in achieving their mission-driven goals. Whether it's optimizing investment strategies, managing risk, or ensuring sustainable growth, we provide the guidance needed to navigate the complexities of philanthropic financial management.
Our Process
Every client has goals and aspirations for their financial resources. Whether that is paying for your child's higher education, an orderly transfer of your wealth to the next generation, or simply retiring comfortably, you have ambitions and desires.
It's unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you've worked your entire life for a certain lifestyle in your retirement years, it's critical that we follow a highly structure and comprehensive process in planning for those years.
It's unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you've worked your entire life for a certain lifestyle in your retirement years, it's critical that we follow a highly structure and comprehensive process in planning for those years.
Discovery
Our new client journey begins with getting to know all we can about our clients including the people in their lives, their goals and aspirations, their values, what's important to them, and a complete understanding of their current financial situation. Only by asking the right questions and listening can we then effectively begin the process of matching up Morgan Stanley's vast and extensive capability with specific client goals and objectives.
Plan Development
Once we conduct a thorough discovery on your total wealth picture including assets, liabilities, projected revenues, spending habits, risk tolerance, and financial aspiration, our team will work together to design a unique financial plan tailored to help achieve your financial goals. Once we have created a plan that we believe will help you achieve your goals, we will conduct a plan review.
Review and Implementation
After completing the plan development process, we will schedule a time to discuss your customized LifeView financial plan. In this meeting, we will carefully go through your plan to ensure that it is directly aligned to your risk tolerances and unique financial goals. In addition, we will also discuss investment strategy recommendations which may include one or more of our custom portfolio strategies, managed by the various portfolio managers on the team. Finally, we will discuss an ongoing service model that is right for you.
Service and Follow Up
On an ongoing basis, we will review your investments versus your financial plan to ensure that you are on track to achieve your financial goals. In addition, our team will pro-actively communicate any important updates as it relates to your accounts, your financial plan, and any other information that we believe is in your best interest to know. While we will have already set up a service model that best suits your individual needs, we encourage you to reach out at any time should you have questions or major lifestlye changes.
Investor Resources
Your Guide to Cybersecurity
In today's digital landscape, it is crucial to adopt cybersecurity practices to safeguard against evolving cyber threats. By staying informed and vigilant, you can significantly enhance your online safety.
Learn More Here
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity.
Features Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Convenience: manage your everyday finances such as paying bills online, sending money or transferring funds all at your fingertips.
Morgan Stanley Online & MSMobileFeatures Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Convenience: manage your everyday finances such as paying bills online, sending money or transferring funds all at your fingertips.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital VaultThe Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth ViewLog into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Portfolio Risk Platform
Portfolio Risk Platform is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types.
This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Portfolio Risk PlatformThis platform provides a holistic view to better enable risk to be effectively monitored and managed.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementLocation
201 E Pine St
11th Fl
Orlando, FL 32801
US
Direct:
(407) 849-4774(407) 849-4774
Toll-Free:
(800) 869-0007(800) 869-0007
Meet The Citrus Group
Herb Means, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(407) 849-4721(407) 849-4721
Daniel Murphy, CFP®
Senior Vice President, Wealth Advisor, Senior Portfolio Management Director
Phone:
(407) 849-4760(407) 849-4760
Anne Marie Williams, CFP®, CMT
Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(407) 849-4757(407) 849-4757
James Squillante
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(407) 849-4733(407) 849-4733
Gaury Hernandez Rogers, CFP®
Associate Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(407) 849-4774(407) 849-4774
Sarah Goldsmith
Financial Advisor
Phone:
(407) 849-4704(407) 849-4704
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(972) 943-7256(972) 943-7256
Damon Nicholson, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(407) 849-4722(407) 849-4722
Samantha Kervitsky
Vice President, Group Director
Phone:
(407) 849-4783(407) 849-4783
Melanie Shor
Portfolio Management Associate
Phone:
(407) 849-4786(407) 849-4786
Nick Busch, CFP®
Registered Client Service Associate
Phone:
(407) 849-4788(407) 849-4788
Santiago Escallon
Registered Client Service Associate
Phone:
(407) 849-4719(407) 849-4719
Jacob Bennett
Registered Client Service Associate
Phone:
(407) 849-1008(407) 849-1008
About Robert Brett
A native Floridian, Robert has been providing highly customized advice, investment solutions and financial planning services to individuals, multi-generational families and business owners for more than 20 years. Throughout his career, he has earned the reputation of truly understanding his clients – their lives, their plans their interests – so they may strive to achieve their financial goals and leave the legacy they desire.
Robert joined Morgan Stanley in 2007. With his colleagues, he takes a holistic approach to wealth planning by providing the highest caliber of financial advice. His primary focus is on portfolio risk management. His experience includes building globally diversified portfolios with a goal of producing competitive risk-adjusted performance, based on each client’s unique goals.
Robert has committed himself to continued, higher learning. After graduating from the University of Central Florida with a Bachelor of Arts degree in Interpersonal Communications, Robert continued his studies, earning the CERTIFIED FINANCIAL PLANNER™ designation from the Certified Financial Planner™ Board of Standards. In 2014, Robert earned the prestigious Chartered Market Technician (CMT) designation from the Market Technicians Association, an organization dedicated to the theory, practice and application of technical analysis, a method of evaluating securities by analyzing statistics generated by market activity. Technical analysis helps take the emotion out of investing by applying rules that typically apply to almost every investment that fluctuates in price in a free market.
Born and raised in Eustis, Robert currently lives in the Orlando area. When not at work, Robert enjoys the local arts, traveling, motorcycles, and surfing. Above all, he enjoys spending time with his wife, Debra, and their three children, Caroline, Robbie and Alice.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Robert joined Morgan Stanley in 2007. With his colleagues, he takes a holistic approach to wealth planning by providing the highest caliber of financial advice. His primary focus is on portfolio risk management. His experience includes building globally diversified portfolios with a goal of producing competitive risk-adjusted performance, based on each client’s unique goals.
Robert has committed himself to continued, higher learning. After graduating from the University of Central Florida with a Bachelor of Arts degree in Interpersonal Communications, Robert continued his studies, earning the CERTIFIED FINANCIAL PLANNER™ designation from the Certified Financial Planner™ Board of Standards. In 2014, Robert earned the prestigious Chartered Market Technician (CMT) designation from the Market Technicians Association, an organization dedicated to the theory, practice and application of technical analysis, a method of evaluating securities by analyzing statistics generated by market activity. Technical analysis helps take the emotion out of investing by applying rules that typically apply to almost every investment that fluctuates in price in a free market.
Born and raised in Eustis, Robert currently lives in the Orlando area. When not at work, Robert enjoys the local arts, traveling, motorcycles, and surfing. Above all, he enjoys spending time with his wife, Debra, and their three children, Caroline, Robbie and Alice.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Securities Agent: OK, IA, WV, NM, MI, GA, DE, VI, TX, NH, ME, KS, DC, NJ, MO, MD, RI, OH, NC, AZ, OR, NY, MN, LA, FL, CA, AR, WI, WA, PR, KY, IL, CT, AL, UT, NV, HI, CO, VT, SC, MT, MA, IN, VA, TN, PA, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278891
NMLS#: 1278891
About Herb Means
Herb Means was looking for a challenge when he entered the financial services business at 40. "It was a good mid-life crisis," he says. "This is a great business - it has the potential to significantly impact people's lives in a positive way. As a financial advisor, I have the opportunity to truly help my clients." And since 1989, he has been making the most of that opportunity, helping to support clients by providing steady financial guidance through good markets and bad.
His goal is to help his people live to the fullest by working with them to create thoughtful, long-term financial plans. He is a CERTIFIED FINANCIAL PLANNERTM professional and focuses on creating retirement strategies designed with the goal of providing "income for life."
A native of western Pennsylvania, Herb attended Westminster college in New Wilmington. After a successful professional career, Herb made the switch to financial services with Prudential-Bache Securities in 1989. He later joined Raymond James in 1992, and now continues to service and support his clients at Morgan Stanley.
He currently lives in Winter Park with his wife Claudia. The couple has a daughter Katherine.
His goal is to help his people live to the fullest by working with them to create thoughtful, long-term financial plans. He is a CERTIFIED FINANCIAL PLANNERTM professional and focuses on creating retirement strategies designed with the goal of providing "income for life."
A native of western Pennsylvania, Herb attended Westminster college in New Wilmington. After a successful professional career, Herb made the switch to financial services with Prudential-Bache Securities in 1989. He later joined Raymond James in 1992, and now continues to service and support his clients at Morgan Stanley.
He currently lives in Winter Park with his wife Claudia. The couple has a daughter Katherine.
Securities Agent: IA, HI, WV, MA, LA, IL, DE, CO, TX, RI, PR, NC, MT, KS, WA, UT, MN, ME, MI, MD, TN, OH, FL, AZ, VI, VA, OR, NV, NJ, DC, AR, AL, WI, SC, NY, NH, CT, CA, KY, GA, MS, PA, OK, NM, MO, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1672127
NMLS#: 1672127
About Daniel Murphy
As an investment professional for more than 23 years, Dan is recognized for providing superior investment consulting services. His mission is to make a difference in his clients’ lives by listening closely to their personal definitions of “growth” and building customized portfolios that help achieve this specific goal, while managing risk.
A graduate of the University of Central Florida, where he earned a Bachelor of Science degree in Business Administration, Dan spent over a decade in management, overseeing four different markets throughout Florida. This unique set of experiences has enabled him to develop a practice that is well suited for the fast-paced global economy in which we live. He is dedicated to helping his clients maintain the discipline necessary to navigate today’s challenging markets.
Like his colleagues, Dan is committed to continued, higher learning. In 2011, he studied and earned the accreditation for discretionary Portfolio Management. He is now among a select few of financial advisors within Morgan Stanley who are qualified to directly manage client assets. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions. He is also a CERTIFIED FINANCIAL PLANNERTM professional.
Dan has been married to his wife, Niki, for 24 years. They live in Orlando and have two children, William & Maggie. When he’s not working with clients, Dan enjoys coaching his children’s sports teams. He is also active in Leadership Orlando, and enjoys traveling and playing golf.
A graduate of the University of Central Florida, where he earned a Bachelor of Science degree in Business Administration, Dan spent over a decade in management, overseeing four different markets throughout Florida. This unique set of experiences has enabled him to develop a practice that is well suited for the fast-paced global economy in which we live. He is dedicated to helping his clients maintain the discipline necessary to navigate today’s challenging markets.
Like his colleagues, Dan is committed to continued, higher learning. In 2011, he studied and earned the accreditation for discretionary Portfolio Management. He is now among a select few of financial advisors within Morgan Stanley who are qualified to directly manage client assets. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions. He is also a CERTIFIED FINANCIAL PLANNERTM professional.
Dan has been married to his wife, Niki, for 24 years. They live in Orlando and have two children, William & Maggie. When he’s not working with clients, Dan enjoys coaching his children’s sports teams. He is also active in Leadership Orlando, and enjoys traveling and playing golf.
Securities Agent: CO, DE, WV, PA, OK, NJ, MA, IN, VA, MS, KS, GA, DC, ME, FL, CT, AR, RI, SC, OR, NC, HI, AL, UT, MD, IL, OH, NY, NH, MO, MI, WA, NM, MN, LA, IA, VT, PR, NV, MT, CA, AZ, VI, TX, KY, WI, TN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285024
NMLS#: 1285024
About Anne Marie Williams
Anne Marie has been working with individuals and families for over ten years, helping them on their road to financial success through comprehensive planning and asset management. She began this work for others after practicing law, when she decided her education and skills would be best suited to serve her clients in an industry in which she grew up, her father having worked in financial services her whole life. Anne Marie enjoys the ongoing nature of her wealth management practice, where she can see clients work towards and achieve their goals over time.
As a CERTIFIED FINANCIAL PLANNER™, the foundation of her work is centered on creating written financial plans for every client, and then working through a detailed wealth management checklist to help ensure major issues are addressed, including: asset allocation; investment selection; retirement planning; liability management; wealth and estate planning strategy; and asset protection strategies and risk management. As a Certified Market Technician®, Anne Marie incorporates the teams' market analysis in leading communication to clients to help make sense of current market and economic conditions and to help ensure clients stay on the road to achieving their financial goals.
Anne Marie graduated with her Bachelor of Arts from the University of Central Florida, where she was a captain on the Division I Women’s Rowing team. She then received her Juris Doctor from Florida State University College of Law, where she was a member of the Moot Court team and won debates in international competition. She now resides in College Park in Orlando with her husband Ryan and their daughters Carina & Adalee, who together enjoy attending UCF sporting events and volunteering at their church Grace.
As a CERTIFIED FINANCIAL PLANNER™, the foundation of her work is centered on creating written financial plans for every client, and then working through a detailed wealth management checklist to help ensure major issues are addressed, including: asset allocation; investment selection; retirement planning; liability management; wealth and estate planning strategy; and asset protection strategies and risk management. As a Certified Market Technician®, Anne Marie incorporates the teams' market analysis in leading communication to clients to help make sense of current market and economic conditions and to help ensure clients stay on the road to achieving their financial goals.
Anne Marie graduated with her Bachelor of Arts from the University of Central Florida, where she was a captain on the Division I Women’s Rowing team. She then received her Juris Doctor from Florida State University College of Law, where she was a member of the Moot Court team and won debates in international competition. She now resides in College Park in Orlando with her husband Ryan and their daughters Carina & Adalee, who together enjoy attending UCF sporting events and volunteering at their church Grace.
Securities Agent: MD, OK, DE, MN, IL, SC, NY, AL, PR, NJ, NH, MS, ME, AZ, AR, WA, VI, TN, OH, NC, KY, IN, CO, NV, MO, LA, CT, RI, OR, WV, WI, PA, MT, MI, MA, FL, DC, CA, NM, UT, KS, IA, HI, GA, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1648254
NMLS#: 1648254
About James Squillante
Jim is a Central Florida native, having grown up in Winter Park, FL. He graduated from the University of Florida with a degree in Finance and began working in the mortgage industry. In 1977 he moved to the securities business with E.F. Hutton until 1988. He has since been with Morgan Stanley, advising high net worth families and small businesses. As a member of The Citrus Group, he reviews financial plans and assists clients with all of their wealth management needs. Judy, his wife of 42 years, and Jim live in Longwood, FL, and are involved in many Central Florida organizations, charities, and church activities. They have two daughters and two grandchildren.
Securities Agent: MS, HI, UT, TN, OR, NJ, NH, NC, MN, IL, DC, TX, WV, VA, MO, ME, DE, CA, PR, OK, MT, MD, OH, MA, LA, KY, GA, AR, MI, WI, KS, NY, NV, IA, FL, CT, AZ, VI, RI, NM, IN, CO, AL, SC, PA, WA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1294090
NMLS#: 1294090
About Gaury Hernandez Rogers
Drawing on 20 years of experience in the financial services industry, Gaury provides a wide range of services for the clients of The Citrus Group. Her many responsibilities include account opening, fund transfers, retirement distributions, performance reporting and general account maintenance. She is always available to answer clients' questions and assist them in a wide range of services from statement queries to online account access. Being licensed, she is also able to assist clients with trade activity.
Highly adept at handling a broad range of responsibilities quickly and professionally, Gaury enjoys providing what her colleagues call white glove service to every client. Working with investors since 2000, Gaury not only knows how to meet their specific needs, she knows how to anticipate them as well.
Gaury earned her Bachelor of Science degree in Economics from Rutgers University and currently holds the Series 6, 7, 63, 65 & 31 licenses. Originally from New Jersey, she relocated to Florida with her family in 2006. She continues to take advantage of Florida's great weather by participating in such events as the Disney marathon and the Tour de Cure bike ride to benefit Diabetes. In her free time, Gaury enjoys spending time with her two children, David and Kevin.
Highly adept at handling a broad range of responsibilities quickly and professionally, Gaury enjoys providing what her colleagues call white glove service to every client. Working with investors since 2000, Gaury not only knows how to meet their specific needs, she knows how to anticipate them as well.
Gaury earned her Bachelor of Science degree in Economics from Rutgers University and currently holds the Series 6, 7, 63, 65 & 31 licenses. Originally from New Jersey, she relocated to Florida with her family in 2006. She continues to take advantage of Florida's great weather by participating in such events as the Disney marathon and the Tour de Cure bike ride to benefit Diabetes. In her free time, Gaury enjoys spending time with her two children, David and Kevin.
Securities Agent: IN, TN, PR, MT, KS, FL, WV, WA, CT, OR, ME, DC, TX, NH, MS, LA, DE, AZ, NE, MI, KY, HI, CO, VA, MA, AL, VI, OK, MO, GA, AR, NV, NM, NC, IL, ID, IA, CA, WI, PA, OH, NY, NJ, MD, UT, SC, RI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2404391
NMLS#: 2404391
About Sarah Goldsmith
Based in Orlando, FL, Sarah specializes in financial planning and workplace equity compensation, providing clients with tailored strategies and advice to achieve their financial goals. Drawing on nearly a decade of wealth management experience Sarah has served individuals and families with a wide range of services.
An Orlando, FL native, Sarah is a proud graduate of Vanderbilt University, where she completed her undergraduate studies, and the University of Paris, where she earned her MA. Sarah holds the Series SIE, 7, and 66 licenses, as well as insurance licenses, underscoring her comprehensive experience in the financial sector.
In addition to her professional accomplishments, Sarah is deeply committed to community service, actively volunteering for local nonprofits as well as serving as the local Vanderbilt Alumni Chapter President, fostering connections and engagement among fellow alumni.
Outside of work, Sarah enjoys traveling with her family, including her husband, Dos, and their two young children. This passion for exploration and family time enriches her personal and professional life, helping her provide a well-rounded perspective for her clients.
An Orlando, FL native, Sarah is a proud graduate of Vanderbilt University, where she completed her undergraduate studies, and the University of Paris, where she earned her MA. Sarah holds the Series SIE, 7, and 66 licenses, as well as insurance licenses, underscoring her comprehensive experience in the financial sector.
In addition to her professional accomplishments, Sarah is deeply committed to community service, actively volunteering for local nonprofits as well as serving as the local Vanderbilt Alumni Chapter President, fostering connections and engagement among fellow alumni.
Outside of work, Sarah enjoys traveling with her family, including her husband, Dos, and their two young children. This passion for exploration and family time enriches her personal and professional life, helping her provide a well-rounded perspective for her clients.
Securities Agent: CT, MS, KY, UT, AR, WY, ME, MD, AL, VA, TN, NH, MI, IA, WA, PR, OK, NV, KS, DE, WI, OH, NC, AZ, WV, TX, RI, PA, DC, SC, NY, NJ, HI, CO, VI, OR, NM, MO, LA, GA, CA, MT, MN, MA, IN, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1807006
NMLS#: 1807006
About David E Meadors
David has been a Financial Advisor since 1994 and focuses on comprehensive wealth management strategies for individuals and institutions, including retirement, financial and estate planning. David is a fully licensed advisor, completing his Portfolio Management designation through Morgan Stanley. He built his practice the old-fashioned way, one client at a time. He takes the time to help his clients build a life plan, so together, they can develop a supporting investment plan. It is his belief that portfolio structure is just as important as product selection in determining the appropriate asset allocation to meet the client’s financial objectives. Client reviews are also an important part of David’s process.
David earned his Bachelor's Degree in Business Administration from The University of North Texas, with a minor in Finance. He has lectured extensively on comprehensive financial planning and served as a guest speaker for many programs and associations.
David earned his Bachelor's Degree in Business Administration from The University of North Texas, with a minor in Finance. He has lectured extensively on comprehensive financial planning and served as a guest speaker for many programs and associations.
Securities Agent: ME, AL, OK, NM, WI, PR, KY, GA, CT, WV, OR, NH, MN, MI, CO, TN, PA, MS, CA, AZ, OH, NY, KS, DC, AK, RI, TX, NC, MD, MA, IN, IL, SC, NJ, MO, HI, FL, DE, AR, VI, VA, NV, LA, IA, WA, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1500582
NMLS#: 1500582
About Damon Nicholson
Securities Agent: MD, IN, PR, NV, GA, CA, NY, ME, NC, IL, CT, AR, WA, TX, NM, MO, MI, MA, KY, VI, SC, MT, HI, FL, AL, OK, IA, DC, CO, AZ, WI, RI, OR, NJ, NH, DE, TN, MN, KS, WV, VA, OH, LA, PA, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265007
NMLS#: 1265007
About Samantha Kervitsky
Samantha is a 2012 graduate of the University of Central Florida where she earned her Bachelor of Science degree in Psychology, with a minor in Business Administration. She joined the Citrus Group in 2014, obtained her licenses, and now serves as the team's Group Director. Samantha acts as a liaison between the Financial Advisors and Support Professionals to ensure continuity of business and maintain and build upon the team's exceptional service model.
Samantha enjoys personal wellness, cooking, and spending time with her husband and Golden Retriever. She is an avid traveler, having visited numerous countries throughout the world as well as many states within the U.S. She particularly enjoys hiking and skiing in Colorado.
Samantha enjoys personal wellness, cooking, and spending time with her husband and Golden Retriever. She is an avid traveler, having visited numerous countries throughout the world as well as many states within the U.S. She particularly enjoys hiking and skiing in Colorado.
About Melanie Shor
Melanie graduated from Florida State University Summa Cum Laude in 2021 with a Bachelor of Science in Finance. Upon graduation, she obtained her SIE, Series 7, and Series 66 licenses. She joined the Citrus Group in 2022 and enjoys assisting clients with their everyday needs while striving to provide excellent client service.
Born and raised in Orlando, Melanie loves to spend quality time with family and friends. Her favorite activities include traveling, boating, attending sporting events, and spending time at the dog park with her French Bulldog.
Born and raised in Orlando, Melanie loves to spend quality time with family and friends. Her favorite activities include traveling, boating, attending sporting events, and spending time at the dog park with her French Bulldog.
About Nick Busch
Nick is a 2021 graduate of the University of Central Florida where he earned his Bachelor of Science degree in Business Administration while majoring in Integrated Business. Nick first joined The Citrus Group in 2021 as an intern and then transitioned to a full-time role and obtained his licenses. Nick is a CFP® professional and helps the team create and monitor financial plans.
He enjoys cooking, lifting weights, skateboarding, and spending time with friends and family. He is an avid Orlando sports enthusiast and frequently supports the local teams.
He enjoys cooking, lifting weights, skateboarding, and spending time with friends and family. He is an avid Orlando sports enthusiast and frequently supports the local teams.
About Santiago Escallon
Santiago is a 2022 Rollins College Graduate where he earned his bachelor degree in International Business with a minor in Finance. He then went on to get his MBA at Crummer Graduate School of Business in 2023. Santiago joined the Citrus Group in 2023. He is involved with daily management of client accounts, money movements, and account maintenance.
Born in Miami and raised in Bogota, Colombia, Santiago enjoys spending time with his family, watching sports, and traveling.
Born in Miami and raised in Bogota, Colombia, Santiago enjoys spending time with his family, watching sports, and traveling.
About Jacob Bennett
Jacob earned his Finance BSBA from the University of Central Florida in 2024. He began working with The Citrus Group in 2023 as an intern and now works closely with the team's Portfolio Management Directors, assisting with portfolio management, trading, analytics, and daily operations.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
From Our Team
The Citrus Group Monthly Newsletter- July/August 2025
This is a video content
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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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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 The Citrus Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan 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
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
