J.P. Morgan Securities
47yrs
Top 1% by experience in Miami
26yrs
Rafael Cisternas
Financial advisor at Morgan Stanley
Rafael Cisternas is a fiduciary financial advisor in Miami, Florida, with 26 years in the industry. Rafael joined Morgan Stanley in 2016, after 13 years at Credit Suisse Securities (usa) and two years at Pershing. Morgan Stanley offers financial planning, investment management, and retirement plan consulting and is paid through a percentage of assets, flat fees, and commissions.
One of 3158 advisors with offices in Miami, and one of 3035 fiduciaries.
At a glance
Experience26 years (since 2000)
How that compares ?Top 15% by experience in Miami
Office200 South Biscayne Boulevard Suite 1100, Miami, FL 33131
FirmMorgan Stanley
How the firm is paid ?Percent of assets, Flat fee, Commissions, Performance fee, Other
Typical client at the firm ?$670,481
Advisors at the firm23,156
States licensed ?2 states
Services through Morgan Stanley
Financial planningInvestment management for individuals and small businessesManaging mutual fundsInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Series 66Uniform Combined State Law Examination
Career
- 2016 – nowMorgan StanleyCurrent firm
- 2003 – 2016Credit Suisse Securities (usa) LLCPreviously
- 2000 – 2003Pershing LLCPreviously
Contact Rafael
(914) 225-5510Firm headquarters in Purchase, NY. Ask for Rafael. 200 South Biscayne Boulevard Suite 1100Miami, FL 33131Office · Get directions Firm websiteHTTP://WWW.MORGANSTANLEY.COM
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Questions to ask Rafael
Tailored to Rafael’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- Your firm can charge performance-based fees. Would that apply to me?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
My notes and scorecard
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About Rafael
How do I contact Rafael?
Call Morgan Stanley at (914) 225-5510 and ask for Rafael Cisternas. Rafael works from the Miami, FL office.
How long has Rafael been a financial advisor?
Rafael has been in the industry since 2000, about 26 years. Top 15% by experience in Miami.
What licenses does Rafael hold?
Series 66. Tap any license on this page to see what it allows.
Is Rafael a fiduciary?
Rafael is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Rafael paid?
Morgan Stanley reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products, a share of investment gains, other fees. Ask Rafael for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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