Larry Cabrera, Financial Advisor at Morgan Stanley

Larry Cabrera, Financial Advisor at Morgan Stanley Financial Advisor at Morgan Stanley MSSB will not accept purchase or sale orders via Facebook or its messaging systems.

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For important information about any designation(s) listed and the ranking methodology for any award[s] listed, please see https://advisor.morganstanley.com/larry.cabrera. The designation and/or awards are not indicative of the Financial Advisor's past or future performance. No fee is paid in exchange for any award.

2016-2019 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2016-2019) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html"

08/14/2025

"I have money. It's trust and character I need around me." - Han Lue. How a $4,300 dinner taught me the money is a magnifier...

My first formal dinner as a financial advisor.

12 of us were invited.

We wined & dined!

When the check arrived, I said...

We didn't talk any business.

Yes, Larry, so what?

I'm not blind. I know how much this costs.

Welcome to the club, Larry! You are one of us now. Enjoy!

It didn't feel right to me.

I then looked at the bill.

$4,300!

I thanked the host & offered to stay after to learn more.

What I learned from him...priceless!

➡️ Money is a magnifier!
▪️ Throw money at people, and you will learn a lot about them.

➡️ Short-term people
▪️ Are transactional
▪️ Don't care about relationships.
▪️ Don't care about win-win.
▪️ Care only how they win.
▪️ Focus is short-term benefits.

➡️ Long-term people
▪️ Care about relationships vs transactions.
▪️ Care about win-win.
▪️ Short-term benefits are good.
▪️ Long-term benefits are better.

The host knew what he was doing.

▪️ He threw money.
▪️ Amplified every one of us.
▪️ Saw our true colors.

Always know who you are doing business with!

➡️ Money is an amplifier.
➡️ Short-term people
➡️ Long-term people

When building your wealth, choose wisely who you surround yourself and work with!

"I have money. It's trust and character I need around me." - Han Lue.

Find the advisor the advisor who you can trust and has the character you need.

Thoughts? 👇

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08/12/2025

Investing in yourself is the best investment you can make! Companies made an investment in you when they hired you, so own it!

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08/07/2025

Think the S&P 500 is safe? Think again! Here's why...

Most people assume the S&P 500 is a conservative choice.

But here's the truth:

▪️ From Oct 2007 to Mar 2009, the S&P 500 lost 57%.
▪️ It didn't fully recover until March 2013.

That's 5 years, 5 months just to break even!!!

Still think it's "safe"?

And it's not just one bad year…

▪️ Dot-com crash: −49%
▪️ 1973–1974 Oil Crisis: −48%
▪️ COVID-19 Crash: −34%

I'm not saying don't invest.

I'm saying: Know the good, bad, and ugly.

Before I married Zoraida, I told her everything:

▪️My past.
▪️My flaws.
▪️My struggles.
▪️My dreams.

Today, we're 20 years strong!

Because when you're not honest up front
and face the fire,
you get burned!

When you're honest upfront
and face the fire
you come out as galvanized steel.

The same goes for investing!

If someone says the S&P 500 is always safe…
RUN or get burned!

Two questions every investor must answer:

1. How much could you lose in a single year?
2. How long might it take to recover?

If you don't know…
You're flying blind.

If you want the truth without sugarcoating, I might be the advisor for you.

"Owning stocks is like having children...don't get involved with more than you can handle." – Peter Lynch

You deserve to be told the truth.

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How my dad cried 😥 telling me he lost his life savings, but gave me something greater…Recession of 1991My dad lost his l...
08/05/2025

How my dad cried 😥 telling me he lost his life savings, but gave me something greater…

Recession of 1991

My dad lost his life savings.

He cried telling me that he had the money to help me with college.
It's now gone.
He's broken.
It tore him apart to share this with me. 😥

I told him…

It's ok, Dad.
You gave me the most important thing that one could ever ask for.
Something more powerful than money.

➡️ The will to overcome!

Even if you gave $1 million dollars
without the will to overcome
your money would have been wasted.

I will find a way.

I will overcome!

▪️ I moved away.
▪️ I worked full time.
▪️ Studied.
▪️ At one time, I studied even though I was homeless.
▪️ But I kept going...

🔥 I, then, found two of the top 20 financial advisors in the U.S. who mentored me.

Fast forward to 2007.

My dad was on his death bed.

Dad!
Do you see my name here?
It's the conference for the top financial advisors in the U.S.
I've been invited!

The peace in his eyes…

Priceless! 😁👍

He passed away three days later.

3 months later, I stood at that conference with his pride beaming through me.

This photo below is the moment that I knew...my dad was smiling down upon me from above.

Dad, you may have lost your life savings,
but you gave me something greater...
my future!

Thanks, Dad, for all the sacrifices you made for me!

It was truly worth it!

So, here's my message to you...

➡️ Fate is inevitable. Destiny is what you do with it.

➡️ The will to overcome is what connects fate to your destiny!

➡️ Life may be cruel to you, but you are entitled to your own happy ending!

Find the advisor who doesn't just talk about overcoming, but has actually lived it & uses that experience to help turn your story into success! 👊😎

Thoughts? 👇

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07/31/2025

Not all labels tell the truth! How a cook taught me to challenge the labels, and how this lesson saves you from costly financial mistakes.

Back in college, I waited tables to pay the bills.

One day, a customer asked for mild salsa.

I went to the kitchen and asked the cook.

He looked at the bin and said:
"That's not mild. That's hot."

"But the bin says, ‘mild salsa,'" I replied.

He ripped the label off, slapped it on my apron, and said:

"There. Does this make you mild salsa?"

We laughed, but then I tasted it.

My mouth was on fire! 🔥

Lesson learned. 😂

---

Labels can be misleading.

Here are two real-life examples that I've seen.

1️⃣ A "conservative" investment that's 79% in stocks?
In 2008, it lost 42%! That's not conservative!

2️⃣ A retirement plan with a "92% success rate"?
It assumes you die with $0 in the bank!!!
Is that really the future you're planning for? 🤷‍♂️

Too often, people feel safe...because of the labels.

But, I don't trust labels. I verify.

Here's my approach:
▪️ Test the assumptions.
▪️ Inspect the fine print.
▪️ Challenge the default settings.

Why?

Because you deserve clarity, not confusion dressed up as confidence.

---

The label might say you're "on track."

But is that really true?

Let's take a closer look...together!

Find the advisor who challenges the labels before the damage is done.

When was the last time a label misled you?

Thoughts? 👇

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I was told I wasn't good enough for one of my dreams. 😡 But everything changed the moment I stepped onto the stage...On...
07/24/2025

I was told I wasn't good enough for one of my dreams. 😡 But everything changed the moment I stepped onto the stage...

One of my dreams was to learn how to dance salsa! 💃🕺

A "friend" said to me...

Larry, you dance weird. 🤦‍♂️

You mean different.

No, you can't dance.

I wanted to say a few choice words, but I responded...

Let's agree to disagree.

Weeks later at a festival...

Salsa dance competition!

Let's dance, Larry!

What? Me? No way! 😱 I've been dancing for only 6 months!

You are already one of the best, Larry. Own it!

Before I could say no...
That petite Latina grabbed my hand and dragged me onto the stage!

😆🤣😂

Guess who was there?

You guess it!

He looked at me with disgust 🤨 & laughed.

We danced through 3 rounds...
Out of all the couples, we made the top 5.

Now the crowd decides.

We got the loudest cheers & won!

My first salsa competition & I won! 🥳

I looked at him...smiled...😁
And let the moment speak for itself.

The look on his face...

Priceless! 🤣👍

Bonus: Years later, I met Zoraida on the dance floor who said...YES!!! 🥰

➡️ Never let haters stop you from owning your dreams!

➡️ Don't copy others. Follow your own unique path to success.

➡️ Haters talk. Winners do. Don't talk. Just do!

So remember...

🔥 Embrace your dreams in order to become the champion you were destined to be!

Find the advisor who ignores the haters and helps your dreams come true!

Thoughts? 👇

What's one dream that someone said you couldn't achieve...but you did anyway?

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Growing up as the shy skinny kid, you suffer & regret missing out in life because you're scared. So here's what I did.....
07/22/2025

Growing up as the shy skinny kid, you suffer & regret missing out in life because you're scared. So here's what I did...

▪️ At 16, I played basketball even though I was only 5'9".

Learning how to play against bigger opponents prepares you for life.

▪️ At 18, I became a waiter.

A shy waiter will go hungry, so it forces you to connect and be sociable.

▪️ At 20, I studied multiple disciplines in martial arts.

It's better to be a warrior in the garden than to be a gardener in war.

▪️ At 23, I learned how to dance salsa.

Rejection from a woman when asking her to dance can crush a man's confidence.

So you learn to overcome rejection while being humble in your pursuit to enjoy life!

▪️ At 28, I became a financial advisor.

Watching your dad lose his life savings forces you to rebuild & master money.

▪️ At 30, I learned to mountain bike.

You learn that falling doesn't stop you from getting back up!

If you want to conquer the mountain, you must embrace and overcome all the obstacles during your journey to the top.

Then...

At 32, I met Zoraida on the dance floor.

I asked if she would like to dance, and she said, "Yes."

It was a moment of bliss.

For the next 5 months I searched the salsa clubs hoping to see her again.

2nd time I saw her, we danced and closed the club at 2 am.

So I took a leap of faith.

I offered to eat at a diner down the street.

She said, "yes," and we talked until 8 am!

From that moment on, we spent the rest our lives together.

🔥 I then married the love of my life...Zoraida!

Your life is a journey of dealing with risks or dealing with regret!

You now have a choice to make.

➡️ Make a plan and take the risk.

➡️ Take a leap of faith and take the risk.

➡️ Don't take the risk and see how that works for you.

🔥 Whether it is love, money or life, your dreams are worth taking the risks!

Find the advisor who helps you to live with no regrets.

Thoughts? 👇

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How giving away free info changed someone's life forever & how it can do the same for someone you know right now...My fr...
07/17/2025

How giving away free info changed someone's life forever & how it can do the same for someone you know right now...

My friend went through an ugly divorce.

She was starting over...with almost nothing.

Her projected Social Security income was so low that she thought she only had two options:

1️⃣ Keep working longer and harder… hoping to save just enough.
2️⃣ Retire...and watch her life savings dwindle slowly and painfully to nothing.

But then I asked a simple question:

"Were you married for more than 10 years?"
"Yes."
"Have you remarried?"
"No."
"Is this your benefit…or your spousal benefit?"
"Spousal what?"

She had no idea what that even was.

I told her that I'm not a lawyer, but she might want to contact Social Security to see if she qualified for spousal benefits.

She did!!!

And guess what?

✅ Her spousal benefit was much higher than her own. Huge win!
✅ She could finally retire with dignity.
✅ And she came back to me, gave me the biggest hug, and said:

"You've given me hope that everything will be okay. Thank you!" 🥹

💔 Here's the crazy part:

An estimated 60–70% of divorced women who qualify for spousal benefits don't even know they do!

Let that sink in.

So here's my ask:

If you know someone who is divorced...

Please either share this post or at least the information! 🙏

Why?

This could literally change their retirement... and their lives.

✅ This free info I'm giving you, might be the breakthrough someone desperately needs.
✅ Information is powerful. Hope is priceless!
🔥 Sometimes the greatest payment in life... is knowing you gave someone hope!

Thoughts? 👇

What small piece of advice made a big impact on your life?

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Karma is awesome! Good guys do finish first in life and in business. Here's why…Over 10 years ago I called the back of...
07/15/2025

Karma is awesome! Good guys do finish first in life and in business. Here's why…

Over 10 years ago I called the back office admitting that I made a mistake and needed help to fix it.

The rep said,

"For you, Larry, we'll fix it in the next two minutes. We know who you are, and we will fix it now."

"Don't you service over 3000 financial advisors? How is it possible that everyone knows me out of 3000?"

"Every time you call, you are always so polite and friendly.

Others call yelling at us and treating us like dirt.

So they have to wait for the standard 5 - 7 business days. 😆🤣😂

Everyone here at this department knows you because of how kind and genuine you are.

We appreciate it, and it will be resolved in two minutes."

My mind was blown away. 🤯🤯🤯

Karma came back to me over 10 folds. Love it! 👊😎

So remember...

Don't be a jerk, or you'll wait for the standard 5-7 business days. 🤣👎

🔥 "I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel." - Maya Angelou.

Thoughts? 👇



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07/10/2025

How a grumpy old man that we neighborhood kids feared taught us a life lesson that we will never forget...

All the kids, included me, avoided him.

His name...

Mr. Peplinski.

Most beautiful gardens & well-kept lawn in the entire neighborhood.

His house was the "Bermuda Triangle."

If a ball went onto his property, we would never see it again.

One day the ball went onto his yard again. 😫

He grabbed the ball & asked us to come over.

We were scared. 😱

We said,

"No thanks! You can keep our ball like always."

He pleaded & said he would give the ball back to us.

All 8 of us were at his porch.

What he said next, changed our lives forever.

He said...

"Everyone looks at

▪️ My money.
▪️ My beautiful gardens.
▪️ The house that I live in.

None of this matters if you don't have your health to enjoy it.

🤯🤯🤯

Please forgive this old man.

Before I take my last breath, please learn from my mistakes & preserve your health so that you can enjoy your life."

He passed three weeks later. 😥

As a financial advisor, we have a saying...

🔥 You either make time & spend money on your health now, or you'll be forced to make time & spend money on your illness later.

➡️ You only get one body. Take care of it.
➡️ When you pass, you take your memories with you and not your money.

So here's my ask for you...

➡️ You either eat right, or you don't.
➡️ You either sleep right, or you don't.
➡️ You either exercise, or you don't.
➡️ You either feed your mind, body, and soul, or you don't.

And for goodness sake...

If you have medical insurance, please use it!!!

Do not cut corners!!!

To save a penny now, is not worth the dollars you'll be forced to spend later.

Mr. Peplinski gave us a priceless gift that day.

Now, it is my turn to pay it forward to you.

Money is important, but it's your health that empowers you to enjoy your life now and going forward!

Find the advisor who understands that health is wealth, and your money should support both because you deserve it! 👊😎

Thoughts? 👇

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07/08/2025

The most powerful lesson on how to connect with anyone and build strong, lasting relationships…came over a cup of tea. 🍵

I was frustrated. 😫

There was this lady I liked, but I couldn't figure out the right dating idea to impress her.

My mom noticed I was stressing out.

She asked me to make us some tea…so I did.

Then she dropped this wisdom:

"All you need is two chairs, a table, and some tea.

Connect with her.

If you can't connect over that… no date, no dinner, no trip will ever matter.

No alcohol.
No distractions.
No entertainment fluff.

Just you and her.

Talk.
Get to know her soul.
Connect.

Connection is the foundation of all relationships."

🤯🤯🤯

That moment hit me like a lightning bolt!

I wasn't just learning how to connect, I was learning how to build trust.

That simple blueprint...

➡️ Talk.
➡️ Get to know the soul.
➡️ Connect.

…became a foundation for how I build every meaningful relationship in my life.

Including with my clients!

Yes, I love the thoughtful extras:
🏌️‍♂️ Golf outings
🍽️ Fine dining
🎫 Courtside games

But if the relationship requires fluff to feel valuable… is it truly authentic?

Before COVID, I used to offer tea to every prospect and client who walked into my office. It was my way of saying:

Let's talk. Let's connect. Let's build something real.

Thanks, Mom! 🙏
You gave me more than dating advice.
You gave me a philosophy!

As a financial advisor, I now lead with connection before opening any spreadsheet.

Guess what's my financial planning process now?

Connect --> Discover --> Leverage --> Plan --> Guide

Because money isn't just numbers.
It's your dreams, fears, freedom, and legacy!

If your advisor isn't truly listening, seeing the real you, and striving to understand your goals at the soul level…

👉 You deserve better!

Find the advisor who serves tea, not just numbers.

How do you build strong relationships?
Let's hear your best advice. 👇



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Imagine saying to your lady, "I don't want to marry you because you are already in your prime." 🤦‍♂️ Sounds crazy, right...
07/03/2025

Imagine saying to your lady, "I don't want to marry you because you are already in your prime." 🤦‍♂️ Sounds crazy, right?

I met Zoraida (the love of my life) in her "prime." 🤩

She was beautiful, thriving, and owned her space like a boss!

NOT ONCE did I thought...

"She's peaked. Why bother investing in a future with her?"

That would've been absurd! 🤦‍♂️

Did I still marry her?

Best decision in my life! 🥳💃🕺

Did we have setbacks and went through downturns?

Absolutely!

Did she continue to grow, evolve, and reached "new prime levels?"

You better believe it!

Just because someone is in their prime doesn't mean they won't hit new prime levels!

People throughout their lives, including you, will constantly hit new prime levels!

Zoraida hit many new prime levels throughout her life.

Guess who got to enjoy them with her?

ME!

Money is no different.

🤯🤯🤯

Here's the truth:

💡 Just because something (or someone) is already great, doesn't mean their best days are behind them.

Too many people hesitate to invest because markets feel like they've already "peaked."

But if you wait for the perfect time, you'll miss the compounding beauty of growth.

You don't need to time the prime, you need to trust the process.

We have a saying in our industry...

Wealth is created by time in the market, not timing the market!

🔥You will miss 100% of the new highs in life if you are too afraid to invest just because they are in their "prime."

Find the advisor who will help you achieve new "prime" levels over time! 👊😎

Thoughts? 👇

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Address

6805 Carnegie Boulevard Suite 400
Charlotte, NC
28211

Telephone

+17045713266

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