OUR MISSION STATEMENT
Excellence in family wealth planning for your family’s unique goals
Excellence in family wealth planning for your family’s unique goals
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.
Please check back for upcoming events in January.
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: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, VA, WA, WV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
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: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
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.
BM/Supervisor; Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA, WV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
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.
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.
Working closely with you to guide your wealth and investments through the most challenging market cycles.
Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.
Creating customized financial strategies for the challenges that today's families face.
Working with you to understand your life goals and develop a truly personalized wealth strategy. Today and for the years to come.
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.
Our new platform, Morgan Stanley Goals Planning System, will connect your investment strategy to what matters most to you.
With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
See all of your financial data in one location, regardless of where your accounts are held, directly on Morgan Stanley Online and the Morgan Stanley Mobile App.
This 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: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material 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 do not necessarily reflect those of Morgan Stanley.
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.
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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.
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