Our Story

At The Ernie Garcia Group, we are a tightly knit team of wealth management professionals who combine our talents to deliver an exceptional level of service to affluent families and individuals. By adding our insight and experience to the vast resources of Morgan Stanley, we help families like yours address every aspect of their financial lives. Providing access to sophisticated capabilities, we work to help you define and reach clear goals -- Protecting the wealth you worked a lifetime to create, educating your children and grandchildren, sustaining your lifestyle through retirement and transferring wealth efficiently to the people and organizations that have added meaning to your life. We look forward to learning more about you, your family and your goals, and discussing how we can help you live the life you want to live.
Services Include
  • Financial Planning1
  • Wealth Management2
  • Municipal Bonds3
  • Retirement Planning4
  • Estate Planning Strategies5
  • Sustainable Investing6
  • 401(k) Rollovers
  • Annuities7
  • Alternative Investments8
  • Lending Products
  • Endowments and Foundations9
  • Divorce Financial Analysis10
  • Life Insurance11
  • Trust Accounts12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Clients

Our clients are intelligent, hard-working people who have created comfortable lives for themselves and their families. They built successful careers or, more often, successful businesses. Some are still actively engaged in those efforts, and others have retired, sold their companies or passed them along to younger generations. They are active in their communities, devoted to their families and enthusiastic about their lives.

More often then not, we start working with new clients at a time of transition, whether that is a pending retirement or the arrival of a first child or grandchild. We work to understand the path they have taken, the challenges they are facing and the goals they have for the future. This ongoing conversation helps us create, implement and continually adjust the plans we create to help them live they lives they want to live, and leave the legacies they want to leave.

    How We Take Care of You

    We follow a disciplined process to creating highly customized and truly comprehensive financial plans. This process begins with an in-depth review of your financial, insurance and estate documents, and an in-depth conversation about your needs, concerns and aspirations. The understanding we gain leads to a series of specific recommendations. These are likely to include adjustments to your investment portfolios, but may also involve ideas about your insurance coverage, estate planning, borrowing, budgeting and other aspects of your financial life.

    We serve as go-to advisors for every client, eager to help them sort through any financial matter, or help in any other way we can. While situation is unique, we typically focus first on preserving client assets and generating the cash flow needed to sustain their lifestyles. When appropriate for our clients’ goals and risk tolerances, we take advantage of Morgan Stanley’s extensive alternative platform to help generate the cash flow our clients require.

      Complimentary Consultation

      Call us today to schedule a brief phone call or visit to our office for a complimentary one hour review of your current financial portfolio and estate planning strategy.

      No Pressure. No Commitment. Just solid advice.
      Forbes' Best-In-State Wealth Advisor - 2018 & 2019
      Barron's Top 1,200 Financial Advisors - 2014

      Location

      2 North Tamiami Trail
      Ste 1100
      Sarasota, FL 34236
      US
      Direct:
      (941) 364-7405(941) 364-7405

      Meet The Ernie Garcia Group

      About Me

      Drawing on over 30 years of wealth management experience, nearly all at Morgan Stanley, Ernie Garcia leads a team that creates comprehensive wealth management plans for financially successful families and individuals. Throughout his career, Ernie has worked to expand the knowledge and resources he can bring to the service of his clients. He has earned designations as a Senior Investment Management Consultant, Insurance Planning Director, Investing with Impact Director and Alternatives Director. 

      Ernie takes great pleasure in getting to know his clients, and helping them make well-informed investment and financial planning decisions as their lives evolve. Thanks to the trust his clients have placed in him, he was named to Forbes Magazine's List of America's Best-In-State Wealth Advisors 2018 & 2019, and the Barron's List of top 1200 advisors for 2014.

      Ernie is a proud alumnus of Florida State University. He has been designated as a Florida State University Platinum Chief Seminole and, in 2014, was named as Sarasota Seminole Club Ambassador of the Year. He is also very passionate about giving back to the community and does so in many ways -- as a volunteer, event sponsor, and as a fundraiser. Ernie is especially supportive of Special Athletes Boosters, The V Foundation for Cancer Research, Wounded Warriors, Suncoast Charities for Children, and Rob's Rescue, among many other local and national charities. Born and raised in the Tampa area, Ernie, his wife Patty and their son Vaughn, a current FSU student, have made Sarasota their home for over 30 years.
      Securities Agent: FL, WY, WV, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OH, NY, NV, NM, NJ, NH, NC, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
      NMLS#: 1301229

      About Me

      Christopher Garcia works closely with the team’s clients to help them create, implement and maintain comprehensive wealth management plans designed to achieve their specific financial goals. Christopher works to build long-term, productive relationships built on trust, transparency and service.

      Christopher began his financial services career in 2013 after earning his Bachelor of Science in business administration and business management from the University of Central Florida (Go Knights!). He joined his uncle and the rest of the team at the Ernie Garcia Group a year later.

      Passionate about giving back, Christopher enjoys helping to fundraise for The Gleason Foundation for ALS Research, Always Wear Your Seatbelt Foundation and Nate's Animal Rescue among many others.

      Christopher and his wife, Reagan, are both lifetime residents of the Sarasota community where they currently live with their puppy, Frank. In his spare time, you can find Christopher spending time with family, playing in many recreational sports leagues, or visiting some of the area's best local restaurants.
      Securities Agent: UT, FL, WY, WV, WI, WA, VT, VA, TX, TN, SD, SC, RI, PR, PA, OR, OH, NY, NV, NM, NJ, NH, NC, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
      NMLS#: 1268301

      About Me

      Drawing on over four decades of experience in the financial services industry, including more than 30 years at Morgan Stanley, Karen Croxton works to create an outstanding service experience for clients of the Ernie Garcia Group.  Karen is responsible for overseeing daily service efforts and providing operational support to the team’s Financial Advisors. Karen's smiling face is the first thing clients see when they step into our office. 

      Karen holds her Series 7 and Series 63 licenses, as well as, her Commodities Futures Trading Commission License. 

      A native of New York and long-time resident of Sarasota, Karen is very family-focused and spends as much of her free time as possible with her nephew Shawn, a senior at Florida State University. Karen is also an avid dog lover having two of her own, Chelsea and Toby.

      About Me

      A financial services industry veteran of over 15 years, Michelle Fleter is responsible for assisting clients with their long-term financial planning needs as well as with their daily service requests. Her goal is to provide every client of the team with impeccable client service and personal attention, two requirements that must be delivered at a Ritz Carlton level.

      Michelle earned her Bachelor of Arts from Beloit College. She holds her Series 7, 31, and 66 licenses, and is also insurance and annuity licensed. 

      Michelle and her fiancé, Tim, recently moved to Sarasota from Chicago. They are taking full advantage of their new home and love spending time on the water. They also stay busy with their four dogs, Rambo, Josie, Charlie and Sammie. Michelle is also very active in the local community helping the team with their vast local and national charitable endeavors.
      From Our Team

      The Institute for Sustainable Investing


      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      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
      Five Smart Strategies to Use a Bonus or Raise

      Five Smart Strategies to Use a Bonus or Raise

      Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

      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
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      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
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

      Insights and Outcomes

      Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
      Art as An Asset
      CRC 2274738 01/19

      Art as An Asset

      Art may play a significant role in the context of a collector's overall wealth. Generally, a collector may differentiate financial assets, including stocks, bonds and real estate, from other possessions, such as art.

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      Ready to start a conversation? Contact The Ernie Garcia Group today.
      Market Information Delayed 20 Minutes
      1Morgan 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.

      2Morgan 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.

      3Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

      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 and other legal matters.

      6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

      7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      8Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

      9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

      10Morgan 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.

      11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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