Our Story and Services

Our mission is to help you use your wealth to accomplish what is most important to you. Whether it is living comfortably in retirement, educating your children or grandchildren or protecting the estate you've worked a lifetime to build, your priorities become our focus. Drawing on our experience - and the resources of one of the world's leading financial firms - we structure and implement a wealth management strategy that is tailored to your specific goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

Our mission is to help you use your wealth to accomplish what is most important to you. Whether it is living comfortably in retirement, educating your children or grandchildren or protecting the estate you've worked a lifetime to build, your priorities become our focus. Drawing on our experience - and the resources of one of the world's leading financial firms - we structure and implement a wealth management strategy that is tailored to your specific goals.

Helpful Resources For You

Here at The Miller-Miller Group, we pride ourselves on providing you with first-class service. We have provided you our Topic Of The Month which includes instructions on how to access your tax documents. Additionally, we've provided you with helpful resources to learn how we service our clients

Get Your 1099 In Order

Life moves quickly, and at Morgan Stanley, we are here to support you every step of the way.

As Tax Day approaches, we want to ensure you have easy access to all of your relevant documents. Morgan Stanley Online is a great tool to directly access your 1099 form. Follow these steps to pull your documents in minutes.

How to Access:
1. Click "MSO Login" link below (you can also access MSO on our team website)
2. Go to accounts tab (blue ribbon)
3. Filter by document type (tax Documents) and Timeframe (tax year)
4. Click "apply" (blue button)

You can access Morgan Stanley Online Here:

Morgan Stanley Online
Financial Planning

Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integreates the various aspects of your financial life, including your investments and cash management needs. We will suggest modifications, as needed, to help keep your goals in reach and your strategy on the right course.

Financial Planning
Security Center

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

Security Center Website
Tax-Efficient Planning

Helping you keep more of what you earn: Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation. A look at some of the techniques that could help you keep more money growing.

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Wealth Management Capabilities Brochure

Learn how we at Morgan Stanley can help you and your family.

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Estate Planning/Legacy Planning

We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process. At your request we will coordinate with your legal tax advisors as well.

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529 Plans

There are several options available to help guide you in education planning for your children. 529 plans have revolutionzed the way families invest for college and other qualified education expenses. These plans offer a significant degree of flexibility and control and provide benefits.

529 Plans

Recognition In The Community

Over the years, The Miller-Miller Group has been recognized by various publications for their exemplary work and first-class service to their clients.
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    Forbes Best-In-State Wealth Management Teams
    In 2023, 2024, and 2025. The Miller-Miller Group was named to the Forbes Best-In-State Wealth Management Teams list for Florida.

    Disclosures:
    2023 and 2024Forbes Best-In-State Wealth Management Teams
    Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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    Forbes Top Women Wealth Advisors Best-In-State
    From 2022-2024, Jessica M. Osteen was recognized by Forbes on their ranking of America's Top Women Wealth Advisors Best-In-State

    Disclosures:
    2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
    Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
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    Forbes Top Next-Gen Wealth Advisors
    In 2018, 2019, 2022 & 2023, Jessica M. Osteen has been recognized on Forbes' Top Next Generation Wealth Advisors.

    Disclosures:
    2018, 2019, 2022 & 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
    Source: Forbes.com (Awarded 2018 , 2019, 2022 & 2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
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    Top Working Mother Wealth Advisor
    In 2019 and 2020, Jessica M. Osteen was recognized in Working Mother Magazine's Top Working Mother Wealth Advisors.

    Disclosures:
    2019-2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
    Source: Workingmother.com (Awarded October 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Morgan Stanley's Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken
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    Morgan Stanley Online
    Allows you to conveniently and securely manage your account online or on your mobile device.
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    Total Wealth View
    The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
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    Morgan Stanley's Digital Vault
    The Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor
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    eDelivery
    eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
    eDelivery
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    CashPlus
    The Morgan Stanley CashPlus Brokerage Account poses a better way to manage your cash needs.
    CashPlus
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    eAuthorization
    eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App
    Learn More

Location

220 Alhambra Circle 10th
Floor
Coral Gables, FL 33134
US
Direct:
(305) 507-7791(305) 507-7791
Toll-Free:
(800) 321-1393(800) 321-1393

Meet The Miller-Miller Group

About Jessica Miller Osteen

Since 2006, Jessica has been helping our clients address all the important pieces of their financial puzzle – investments, retirement, insurance, estate planning strategies and more – by connecting them with the right resources, strategies and solutions. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Portfolio Manager (CPM®), she upholds a standard of excellence for ethical personal financial planning and delivers value to our clients through a unique combination of knowledge enhanced by common sense and sound judgement.

Jessica joined Morgan Stanley in 2006 after earning her Bachelors of Business Administration in Finance/Economics Cum Laude from the University of Miami School of Business and her Masters of Business Administration from Nova Southeastern University. As a third-generation Financial Advisor, she is committed to connecting with the next generation and helping our clients preserve their legacies for the future. Jessica has been recognized as one of Forbes Top Next-Gen Wealth Advisors (2018, 2019, 2022 & 2023) and is one of Working Mother magazine's 2019 & 2020 Top Working Mother Wealth Advisor. She has also been recognized as one of Forbes Top Women Wealth Advisors Best-In-State (2022, 2023 and 2024).

Jessica resides in Miami with her husband, Andy, and their son Jacob. Outside of work, she enjoys boating, traveling, spending time with family and staying involved in the community. Jessica is a past member of Miami Women Who Rock, a women's network that promotes health and wellness causes and initiatives for women in local communities. She has been involved with Brides Against Breast Cancer and participates in local charitable events throughout the year.

Disclosures:

2018, 2019, 2022 & 2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018 , 2019, 2022 & 2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

2019-2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.

2022-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: NY, NV, DC, IL, WA, OR, TX, SC, MD, MA, AZ, FL, MN, MI, CO, AL, CA, NM, NJ, VA, TN, NC, GA, DE, AR, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2140222

About Bradly Diaz

Bradly plays an integral role in crafting and implementing customized wealth management strategies that help our clients achieve their most important goals. As a CERTIFIED FINANCIAL PLANNER™ professional, he is adept at understanding and addressing the full range of financial circumstances, questions and concerns our clients may have in preparing for a successful financial future. Coupled with his designation as a Certified Divorce Financial Analyst® professional, he has acquired the experience, skills and resources to navigate clients through the financial aspects of divorce.

Bradly joined Morgan Stanley in 2012 and completed the Wealth Advisory Associate program, where he gained in-depth training and hands-on experience with the software applications used to develop customized financial plans. He has been a Financial Advisor with the Miller-Miller Group since December 2013. He is an alumnus of Florida International University where he earned his Bachelors of Business Administration in Finance.

When he’s not busy helping clients, Bradly enjoys playing soccer and biking. An active member of the community, he donates time to a variety of worthy organizations through Morgan Stanley’s charitable giving program. Bradly is a board member of the Miami Shenandoah Neighborhood Association and an active member of the Estate Planning Council of Greater Miami.
Securities Agent: NJ, AL, AR, AZ, CA, CO, DC, DE, FL, GA, IL, MA, MD, MI, MN, NC, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 2169392

About Eduardo Ortea

Eddie’s experience includes over 27 years in financial services, 15 at Morgan Stanley where most recently he managed a Boca Raton Branch. Eddie earned his undergraduate degree in International Business and his Masters of Science in Finance from Florida International University.

During his time in roles where he either worked directly with clients or with Financial Advisors, his goal has been the same. Helping our clients address all the important pieces of the financial puzzle – investments, retirement, insurance, estate planning strategies and more – by connecting them with the right resources, strategies and solutions.

Eddie and his wife, Damaris, reside in Miami, Florida. Married for 22 years they raise their two children; Eduardo and Gabriella. When he’s not advising clients, he enjoys hobbies including cooking, photography, coaching his son’s baseball team and spending time with his family. He also enjoys giving back to the community through Habitat for Humanity home builds, volunteering at local food banks, and fundraising to support Kidside; an organization that benefits children going through the Family Court System.
Securities Agent: DE, NM, AL, VA, MA, IL, AZ, MN, GA, PA, NJ, SC, MD, TX, NV, FL, TN, NC, CO, CA, AR, NY, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1908682

About Maria De La Torre Frank

Her ability to deliver concierge level service and elevate the client experience through prompt and effective resolution of their concerns makes Maria an integral part of the Miller-Miller Group. Her deep understanding of the business, combined with her caring nature, enables her to anticipate and address our client's needs with both speed and accuracy. Maria ensures the day-to-day operations of the team run smoothly, constantly seeking ways to improve systems that will raise the caliber of the client experience we deliver. As a CERTIFIED FINANCIAL PLANNER™ professional, Maria also assists clients with their financial planning needs.

Prior to joining Miller-Miller Group in 2012, Maria worked at EFG Capital as a Compliance Associate, which gives her insight into risk management. She earned her Bachelors of Business Administration in International Finance & Marketing from the University of Miami.

A native of California, Maria currently resides in Miami with her husband, Reid. In her spare time, she enjoys boating, fishing and spending time with friends, as well as donating her time to various charitable organizations through Morgan Stanley's giving back program.

About Jean Carlo Proano

Since joining Miller-Miller Group in 2011, J.C. has been delivering first-class service to our clients and ensuring that their every need is taken care of quickly and efficiently. His warm personality and attention to detail help us win the trust and confidence of our clients, which is the foundation for the long-term relationships we have built over the years.

Prior to joining Morgan Stanley, J.C. was a Financial Advisor at State Trust, where he was responsible for developing relationships with clients from Peru. J.C.'s prior financial services experience also includes 10 years at ING and Merrill Lynch.

Born and raised in Lima, Peru, J.C. now lives in Miami with his daughter, Megan. In his spare time, J.C. enjoys going to the beach, swimming and playing basketball and tennis. An avid chess player, he plays at least five times a day and used to compete in tournaments with the U.S. Chess Federation.
Wealth Management
Global Investment Office

Portfolio Insights

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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Are You Prepared for Tax Day?
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Are You Prepared for Tax Day?

The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.

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 Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Miller-Miller Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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2When 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.

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3Morgan 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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4Morgan 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.

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5Morgan 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.

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6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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

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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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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.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)