Welcome

We are a deeply committed team of professionals with more than 40 years of combined experience in international and domestic Private Wealth Management.

Our team focuses on the needs of affluent investors in the Americas, Europe and Asia. We aim to provide our multi-cultural, Swiss trained, boutique approach to private banking within the state-of-the-art Morgan Stanley global platform. More specifically, our mission is to offer a consistent and highly personalized first class experience in the intelligent management and multi-generational planning of our clients’ assets.

We provide a full range of customized financial services to global clients with sophisticated wealth management needs. Our clients are individuals, families, family offices and institutions of substantial wealth. Our team works diligently to provide highly tailored solutions that help our clients successfully navigate the complex challenges of managing, preserving and growing their wealth from one generation to the next.

As Private Wealth Advisors (PWA) and International Client Advisors (ICA), we focus on servicing the needs of individuals and families of significant wealth (as well as of family offices and independent wealth advisors) and providing tailored solutions to the complexities clients face in preserving and managing their wealth.

Additionally, FGG is a designated Portfolio Management (PM) group within Morgan Stanley, allowing us to deliver clients the expertise and investment insights of the firm.
Capabilities
  • Comprehensive Wealth Planning
  • Investment Management
  • Open-Architecture Platform
  • Manager Selection
  • Pre-Liquidity Planning
  • Risk Management
  • Hedging Strategies
  • Corporate Services
  • Family Governance & Wealth Education
  • Retirement & Pension Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

About PWM

Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
  • Manage investments with an unwavering focus on your financial strategy and personal goals
  • Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
  • Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
  • Approximately 250 teams1  specialized in assisting individuals and families with $20MM+ in investable assets
  • Over $330 billion in AUM2
  • Comprising 26% of the Barron’s Top 100 Financial Advisors list for 20173
  • Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December 31, 2017
2 Morgan Stanley Internal Compensable Revenue Report, December 31, 2017
3 Barron’s Top 100 Financial Advisors, April 2017

Approach

Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.

Morgan Stanley, Our History

The Story of Morgan Stanley begins long before it was incorporated in 1935. The company's roots may actually be traced to 1860, when Junius Pierpont Morgan founded the world's first international banking institution Drexel, Morgan & Company. Morgan's financial empire became legendary, as large industrialists and big corporations turned to him and later to his son, John Pierpont Morgan, to raise capital. By 1895 the firm had become J.P. Morgan & Company, and by the turn of the century, the bank was a premier agent for large quantities of securities, selling both domestic and international.

As a consequence of the 1929 market crash, the U.S. Congress enacted legislation to prevent a recurrence of events that caused the crisis. The Banking Act of 1933, better known as Glass-Steagall Act, affected the investment banking industry by requiring the separation of commercial and investment banks. Deposit business went to commercial banks, and underwriting and syndication to investment banks.

J.P. Morgan & Co. decided to pursue deposit banking. As a result, some employees of the bank, most notably Henry Morgan (JP Morgan's nephew) and Harold Stanley, a JP Morgan partner, agreed to leave JP Morgan to establish Morgan Stanley & Co. The firm opened the doors for business on September 16th, 1935 in 2 Wall Street 19th Floor, NYC. Within first year it achieved 24% market share among IPOs, the rest is history.

Global Franchise

Morgan Stanley serves a global clientele of individuals, families, corporations, endowments, foundations, governments and others through three core businesses:
  • Morgan Stanley Wealth Management
  • Institutional Securities Group
  • Investment Management
Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, expertise and global insight that we can offer you.
Morgan Stanley Franchise Power
  • $2.4tn in client assets under management1
  • Morgan Stanley reported revenues of $11.9Bn1
  • More than 55,000 global employees1
  • Global footprint includes 1,200 offices in 31 countries on six continents1
  • Tier 1 risk-based capital Ratio under U.S. Basel III was approximately 17.8%1
  • $206Bn in liquidity reserve1
  • Long-term credit rating A3, BBB+ and A, by Moody’s, S&P and Fitch, respectively2
1Unaudited. As of March 31, 2018, Morgan Stanley Quarterly Financial Supplement
2MorganStanley.com/InvestorRelations

Location

399 Park Ave
12th Fl
New York, NY 10022
US
Direct:
(212) 271-0685(212) 271-0685

Meet The F&G Group

About Me

José Joaquín dedicates his broad experience, skills and talents in the industry to help successful global private clients and families in managing the complexities and challenges of significant wealth. His commitment to helping clients and their families in exceeding their objectives has earned him the designation of Managing Director of Private Wealth Management, International Client Advisor and a multi-year Member of the Chairman’s Club at Morgan Stanley. 

José Joaquín started his career at Morgan Stanley in 1998 in the Geneva, Switzerland, subsidiary, Banque Morgan Stanley SA, and relocated to New York PWM in 2012. Prior to Morgan Stanley, José Joaquín worked 8 years at J.P. Morgan New York and 4 years at J.P. Morgan (Suisse) in Geneva. His international experience allows him to understand the complexities that international clients face and is uniquely positioned to provide solutions and unlock opportunities for them.

A lawyer by training and trilingual (Spanish, English and French), José Joaquín founded The F&G Group, currently with presence in New York City and Miami, with highly skilled and experienced professionals dedicated to serving global private and institutional clients in a first class way. José Joaquín earned his B.A. with Honors from Tulane University School of Arts & Sciences and his J.D. in International Comparative Law from Tulane University School of Law.

Born in San Juan, Puerto Rico, José Joaquín has lived in Salzburg, London, Madrid, Geneva and New York, where he currently resides, and works at Morgan Stanley’s Flagship Wealth Management Complex located on 399 Park Avenue. José Joaquín travels frequently visiting clients around the world.
Securities Agent: TX, NJ, WY, VA, SD, PR, PA, NY, IN, IL, GA, FL, DE, CA; General Securities Representative; Investment Advisor Representative

About Me

Armando works with some of the most important families in Latin America and Europe, helping them to create customized investment strategies and wealth management plans to meet their financial goals. 

Armando is a Private Wealth Advisor focused on international clients based out of the Morgan Stanley PWM Miami headquarters. Armando recently relocated from Morgan Stanley’s PWM Swiss Bank in August 2015 after spending 8 years covering mainly Latin American and European clients. He is a very valuable asset for clients and families with international wealth management structures, bringing years of experience in the industry and knowledge of jurisdictions and local markets.

Armando joined Morgan Stanley New York in 2006 and completed Morgan Stanley’s Private Wealth Management Analyst and Associate Training Programs in London. Armando holds a Bachelor’s degree with honors in Economics with Financial Applications and a Bachelor degree with honors in Business Administration from Southern Methodist University. He speaks English, Spanish and French.
Securities Agent: TX, NJ, FL, WY, VA, SD, PR, NY, NC, IN, GA, DE, CA; General Securities Representative; Investment Advisor Representative

About Me

A member of the F&G Group, Sergio Espinoza started his career as a financial advisor in 2002. Sergio’s work is devoted to helping a global clientele manage the complexities of significant wealth, so they can focus on the people, interests and activities that add meaning to their lives.

Sergio creates customized wealth management strategies tailored to his clients’ needs, risk tolerance and goals. He offers objective, client-centered financial planning and investment advice to business owners, families and executives in the Americas, Europe and Asia.

Sergio is familiar with the complexities of cross-border wealth management. He is fluent in Spanish and English, and is sensitive to cultural nuances. Like many of his clients, he has international roots and a global perspective.

Although he was born and raised in Costa Rica, Sergio has lived in several cities in the U.S. and Japan, and currently works out of Morgan Stanley’s Atlanta, Georgia office. He holds a bachelor’s degree in Business Administration from the University of Costa Rica and a Master in Business Administration with a concentration in Finance from Wake Forest University, where he received the highest academic honor in the field of Finance.
Securities Agent: GA, VA, NY, NJ, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1760542

About Me

Agnes joined Morgan Stanley Private Wealth Management in 2013 as a Senior Registered Client Associate and brings her quantitative background to focus on research, recommendations and operational transactions.

She gained experience in finance working at a boutique investment firm while transitioning to finance full time from her previous Engineering track, where she was a Systems Engineer at Safari Telecom, Master Bond and a Process Engineer at Euromed. Agnes earned a double degree in Engineering Management and Computer Engineering, along with a minor in Economics from Stevens Institute of Technology, NJ.

About Me

Jonathan Rodriguez is a Registered Associate at Morgan Stanley Private Wealth Management. 

Jonathan joined Morgan Stanley in 2015 after having worked as an Investment Specialist at National Securities and as a Sales Specialist at Fastenal. He joined the F&G Group in 2018, where he supports the team’s Private Wealth Advisors and provides daily operations support and service for ultra-high-net worth clients.

He graduated from St. John’s University in Queens, New York with a Bachelor’s Degree in Business Management. He holds the Series 7 and Series 63 licenses. Born as the youngest of 7 children of a Dominican immigrant family, he enjoys his free time watching and playing basketball and baseball.

About Me

Luis supports the team with implementation efforts of Private Wealth Management services tailored to clients. He provides a proactive approach towards managing assets and executing client’s needs, being a great resource for the team’s clients.  

Luis joined Morgan Stanley Private Wealth Management New York in 2015. He started his career at Goldman Sachs where he was exposed to capital markets specifically covering equity and fixed-income solutions for ultra-high net worth individuals.  

He holds a Bachelor’s degree with honors in Business Administration from Babson College. He is fluent in Spanish and English and holds Series 7 & 66 licenses. He was born in Venezuela but has spent most of his life in the US.

About Me

Juan Carlos joined Morgan Stanley as Senior Registered Associate focused on supporting the team in the operational side. His financial services experience began in 2008 at J.P. Morgan in New York providing Wealth Management services to UHNW, with a special focus in the US and Latin America. He holds a B.A. in International Business and Finance from Berkeley College. 
Professional Insights

Global Investment Committee Weekly


Economic and Market Perspectives

On the Markets

Managing Significant Wealth

  • Investment Management
  • Wealth Transfer & Philanthropy
  • Cash Management & Lending
  • Family Governance & Wealth Education
  • Lifestyle Advisory
  • Business Services
Successfully Staffing Your Home

Successfully Staffing Your Home

By adopting more professional approaches to hiring, training and retaining staff, you can more easily maintain a well-run and harmonious home.

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.

More from Morgan Stanley

Consolidate Your Cash at a Competitive Rate

Consolidate Your Cash at a Competitive Rate

2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
Learn more about Consolidate Your Cash at a Competitive Rate
Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Market Information Delayed 20 Minutes
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.

Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.

Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.

See the Financial Advisors Biographies for Registration and Licensing information.

Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .

Morgan 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

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.