The Citrus Group at Morgan Stanley

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.

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.

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.

Beginning his career in 1983, Mark has worked in wealth management for 38 years. During this time, he has served in a number of capacities including as a top performing Financial Advisor for both institutions and individuals, as an industry consultant and trainer, as a home office executive and as a Branch and Sales Manager. In addition to working for major wealth management firms, Mark also ran a small family business. His time in management and running a small business helps him take a comprehensive and entrepreneurial approach to both working with clients and managing the team’s practice.  

After several years in management, Mark realized that many Financial Advisors were not fully delivering on their promise of true, holistic wealth management. He believes that to effectively serve clients, financial advisors must use a thorough process to know all about their clients and to help them establish clear financial and personal goals. He has brought to the team a strong philosophy of using a disciplined system to review and discuss major wealth management issues that affect clients’ lives and develop strategies and solutions to address those issues. This goal-based and planning approach goes far beyond simply addressing investments and is the basis for regular client reviews. Another differentiator with Mark and the team is their disciplined process to provide regular and meaningful communication at specific intervals of the client’s choosing.  

Mark is a graduate of the University of Florida where he was given the Outstanding Male Leadership Award for his graduating class and was a member of the Florida Blue Key leadership honorary. Mark began his investment career as a Financial Advisor with Florida National Bank and First Union Brokerage Services. He also worked as an institutional representative for Fidelity Investments and was a sales and practice management consultant with the Selbst Group where he facilitated consulting projects with several leading financial firms. Mark also served as National Director of Sales for the Evergreen Funds and as a Branch Manager with Wachovia Securities and as a Complex Sales Manager for Morgan Stanley.

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.

Jim is a central Florida native,having grown up in Winter Park. After graduating from the University of Florida with a degree in finance, he was in the mortgage profession for three years. In 1977 he went into the securities business with E.F. Hutton until their demise in 1988 . He has been with Morgan Stanley since then working with high net worth families and small corporations on wealth management advisory. As a member of the Citrus Group, he reviews financial plans and investment portfolios as a designated Portfolio Manager. He also is involved with the overall client experience and business development. Jim and Judy, his wife of 42 years, live in Longwood and are involved in many central Florida organizations, charities, and church activities. They have two daughters and two grandchildren.

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.

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.

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.

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.

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.

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, as well as daily operations.