A Global Life, Rooted in Sarasota

In every thriving city, there are women whose work enriches the fabric of the community — in Sarasota, Xochitl Napoles is one of them. A bilingual Financial Advisor with a career that spans three countries, Xochitl brings both global perspective and a personal approach to Wealth Management.

Born in Havana, raised in Veracruz, and settled in Sarasota, her multicultural background shapes her ability to connect with clients across cultures and generations. With prior leadership roles at JPMorgan Chase, Huntington National Bank, HSBC, BBVA, and Vector Casa de Bolsa, she offers an exceptional blend of financial acumen and human insight.

Today, she serves as a Financial Advisor and Financial Planning Specialist with The Schwartzbaum Urfer Group at Morgan Stanley. Named to the firm’s prestigious 2025 Pacesetter’s Club, Xochitl helps clients grow, preserve, and transfer wealth through customized investment strategies and holistic financial planning.

Beyond her professional achievements, she gives back as a Board Member of The Ringling Museum of Art Foundation and the Sarasota Cuban Ballet School, Xochitl embodies leadership with purpose and heart.

About the Schwartzbaum Urfer Group

• The Schwartzbaum Urfer Group at Morgan Stanley is a skilled and compassionate team of Financial Advisors, dedicated to serving the full spectrum of our clients’ needs – from personalized strategies to generational wealth planning – with experience, integrity and care.
• Committed to ongoing learning, for ourselves and for our friends and clients. We work hard to ensure that they receive advice that matches their needs and that they understand and are comfortable with our recommendations.
• Proudly serving families in the Sarasota community for over four decades with trusted guidance and relationships that transcend generations.

Advisor.MorganStanley.com/The-Schwartzbaum-Urfer-Group
(941) 364-7430
2 N. Tamiami Trail, Suite 1100
Sarasota, FL 34236

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial 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. The appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives. Morgan 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 https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf 

Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance. Morgan Stanley Financial Advisors have engaged Sarasota Magazine to feature this profile. 

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