About Us

As the financial world becomes increasingly complex, sound financial planning is no longer a luxury. It has become a virtual necessity. The Spectrum Group is a seasoned team of financial professionals who have served the diverse needs of high net worth investors, foundations, and corporations for many years. We have the resources and experience to craft a comprehensive plan for you and manage it prudently over time. The Spectrum Group takes a holistic approach to planning. Before we make any recommendations, we will work closely with you addressing a broad spectrum of issues, such as your current family situation, career aspirations, education costs, retirement goals, and estate planning.What we learn becomes the foundation for a sound strategy based on your unique profile and goals. From there, we will discuss such issues as your risk tolerance, asset allocation and the most suitable investments for you. But that is just the beginning. Over time, we’ll meet with you regularly to modify your plan to reflect changes in your life. At the Spectrum Group, our goal is to create a comprehensive plan that you can follow confidently, regardless of the ever-changing economic landscape.
Services Include
  • Wealth Management1
  • Professional Portfolio Management2
  • Financial Planning3
  • Estate Planning Strategies4
  • Trust Services*
  • Corporate Bonds5
  • Municipal Bonds6
  • 401(k) Rollovers
  • Qualified Retirement Plans7
  • Corporate Retirement Plans8
  • Alternative Investments9
  • Lending Products
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

April, 2017 - Howard Lerner was nominated for the Prestigious Florence Fuller Child Development Foundation Men with Caring Hearts Award. The 16th MWCH Awards Luncheon is known in the community as an extraordinary event. Non-profit organizations are given

Events

Please check back for upcoming events in January.

    Location

    20807 Biscayne Blvd
    5th & 6th Fl
    Aventura, FL 33180
    US
    Direct:
    (305) 937-7129(305) 937-7129
    Toll-Free:
    (800) 736-4554(800) 736-4554

    Meet The Spectrum Group

    About Me

    Joseph Fezza was recognized as a Top Wealth Advisor by South Florida Business Journal in 2007 and 2008 and one of the Top 1000 Advisors by Barron’s in 2009 and 2010*.  He has been a Member of Morgan Stanley’s President’s Club and Chairman’s Club since 1993.  He completed his Certified Financial Planner™ designation in 1991 and Morgan Stanley Wharton Graduate School Senior Advisor Program in 1997.
    Having been with Morgan Stanley, since December of 1984, he has witnessed and experienced scores of market conditions that have influenced the performance of his clients’ portfolios.  His first priority is to help you achieve your financial goals.



    *Barron's “Top 1,000 Advisors,” February 20, 2010, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the financial advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron's in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
    Securities Agent: TX, FL, WV, WA, VA, TN, SC, PA, OH, NY, NV, NJ, NH, NC, MO, MN, MI, ME, MD, MA, LA, KY, IL, GA, DE, DC, CT, CO, CA, AZ, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
    NMLS#: 1375317

    About Me

    Kate DeSoto, CFP serves as a Financial Advisor at Morgan Stanley as well as a valued member of The Spectrum Group at Morgan Stanley. She entered the financial services industry in 2007 as a Registered Marketing Associate at UBS Financial Services in Charlotte, NC.  Her focus during that period was on municipal and taxable fixed income markets where she was responsible for generating financial plans and conducting client reviews.

    Originally from Columbus, Indiana, she is a graduate of Indiana University, with a BS in Psychology and a BA in Criminal Justice.  Kate and her husband Starkey moved to South Florida in January 2012, where she joined The Spectrum Group in September of 2012.  An avid runner and a seasoned traveler, she regularly runs in major racing events.
    Securities Agent: TX, NC, FL, WV, WA, VA, TN, SC, PA, OH, NY, NV, NJ, NH, MO, MN, MI, ME, MD, MA, KY, IL, GA, DE, DC, CT, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
    NMLS#: 1297686

    About Me

    Howard Lerner is a Senior Vice President and Wealth Advisor at Morgan Stanley. He also holds the Family Wealth Advisor designation with the Company. Howard began his financial services career at Merrill Lynch in 1987 on the Middle Markets Fixed Income Desk in New York. In 1993 Howard moved to Florida to pursue a career as a Financial Advisor. In 1994, he joined Dean Witter, now Morgan Stanley Wealth Management, where he has served in a variety of roles, including ten years in management. Howard sits on the Boards of Joe DiMaggio Children’s Hospital and Equine-Assisted Therapies of South Florida. He is also active in the Arts through his relationship with The Broward Center for The Performing Arts.
    Securities Agent: TX, FL, WV, WA, VA, TN, SC, PA, OH, NY, NV, NJ, NH, NC, MO, MN, MI, ME, MD, MA, LA, KY, IL, ID, GA, DE, DC, CT, CO, CA, AZ, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; BM/Supervisor; Investment Advisor Representative
    NMLS#: 1375292

    About Me

    Stephanie Hammer joined Morgan Stanley, formerly Dean Witter in September 1988. She started her career in 1985 in the financial sector in New York City. She has worked in different roles within the company, including Operations Manager for 10 years. Stephanie brings to our team a wide-range of knowledge in the operational area as a Senior Client Service Associate. Her outstanding skills, communication, and attention to detail allow us to provide exceptional service to our clients. Stephanie is a mother to four beautiful children and an exceptionally young grandmother to four. She loves to read, travel, and cook for her growing family.

    About Me

    Karen Pupo is the newest addition to the Spectrum Group at Morgan Stanley joining us in November 2015.  She graduated from the University of Florida with a B.S. in Communications & Leadership Development. Prior to teaming up with The Spectrum Group, Karen worked for the Florida Department of Agriculture as a Health Inspector. She was responsible for the regulation of the commercial food supply while ensuring compliance with state and federal regulations to minimize the risk of food borne illness.  Karen brings a unique marketing background to The Spectrum Group. She has created several lucrative marketing campaigns including a private doctor's office and a non-profit museum located in Gainesville, FL.  Outside of work Karen enjoys traveling, hot yoga, and spending time on social media. She is extremely customer service oriented and loves engaging in conversations with clients.
    From Our Team

    PRESS RELEASE JOSEPH FEZZA Forbes BEST IN STATE


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    • Estate Planning Strategies
    • 529 Plans / Education Savings Planning
    • Long Term Care Insurance
    • Special Needs Planning
    • Trust Services
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    Ready to start a conversation? Contact The Spectrum Group today.
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    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.

    1Morgan 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.

    2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

    3Morgan 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.

    4Morgan 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.

    5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

    6Income 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.

    7Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    8Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    9Alternative 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.

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    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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.

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    *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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