My Story and Services

We help our clients and their families align their wealth with who they are.

As financial planners, we integrate holistically the financial particulars for our clients in the development and management of their investments including when, and as appropriate, long-term financial projections, pre-authorized collaboration with other client service professionals in the area of estate and tax planning strategies, insurance and risk management assessments.

We find being a married couple has distinct advantages for our clients who receive:

A diversity of perspective
The collaborative skills learned through years of marriage that is helpful in catalyzing healthy communication with couples
An unusual sensitivity to and appreciation for issues that emerge requiring the development of solutions which incorporate family dynamics
Securities Agent: CA, WA, TX, OR, OK, NY, NJ, MO, IL, CT; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1255638
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Client Service Team

  • Mark Harbour, CFA, CIMA
    In late 2007, Mark and his wife Bernadette joined to form a client-serving partnership as financial advisors at Smith Barney which eventually became Morgan Stanley.  They have blended their mutual professional experiences to help clients and their families align their wealth with who they are. Mark graduated from the University of Oklahoma with a bachelor’s degree in accounting and spent three years as an officer in the US Navy. Mark earned his MBA from the University of Chicago, Graduate School of Business in 1976.He began his professional career as a tax practitioner-- in the Chicago office of what is now KPMG.  He became a Certified Public Accountant (CPA) serving both individual and business clients as part of the insurance and international tax teams.  Later, to broaden his experience, Mark spent two years with the Mead Corporation in Chicago, and Atlanta, Georgia.   After several years in Oklahoma with dual roles as a tax practitioner and manager of a family oil business, Mark joined Asset Management Group (Now AMG National Trust Bank) in Denver, Colorado.  He served high net worth (Fortune 500 executives) and their families.  He eventually managed the Midwest office of that firm in Chicago.Mark joined Ernst & Young in Chicago, focusing on financial planning and advisory services.  During his years with E&Y, Mark earned his Chartered Financial Analyst (CFA) and Certified Investment Management Analyst (CIMA®) designations and helped lead the Investment Advisory Practice that served the needs of approximately 120 registered investment advisors with E&Y nationally. Mark was Western Regional Director of Wealth Advisory Services for Northern Trust Bank serving the needs of clients of the 13 western regional offices for that firm. Mark is member of the CFA Institute, CFA Society of Los Angeles, Investments & Wealth Institute (IWI).Bernadette and Mark live and work primarily in Los Angeles and serve clients across the United States.
  • Bernadette Harbour
    Bernadette was born and raised in Queens, NY.  She joined Ernst & Young as a full time employee while earning her B.S. degree from NYU’s Stern School of Business.Earning her degree spurred Bernadette to increase her focus with executives in the financial and tax areas at Ernst & Young.  As part of the Financial Planning practice, she achieved the Certified Financial Planner (CFP®) designation.  Throughout her 20 years at E&Y (mostly in the corporate office in NY), Bernadette and her team developed and supported several components of the financial planning practice around the country.  In addition to working with executives, Bernadette and her team developed a unique program to educate large employee groups about the value of their company benefits.  Her other activity was to support financial advisors employed by major brokerage firms.  Bernadette and her team provided financial planning software and supporting services to help them address the needs of their clients.These three major areas of the financial planning practice (complex decisions, education and advisor support) provided Bernadette an in-depth and unusually wide breadth of professional experience.  Her passion—then and now--was getting to know so many people and being able to help them.  Along with a few others, she assisted developing the E&Y Personal Financial Planning Guide.  As the major accounting firms were moving away from the investment advisory business, Bernadette moved to Los Angeles and started her own business about 20 years ago.  She has found more “family” and friends in the clients with whom she has had the good fortune to meet.  She helps clients address a wide range of concerns, financial and otherwise.  In looking for ways to continue growing her practice, Bernadette was delighted to add a trusted advisor in partnering with her husband, Mark.  Their merged practices are aimed at helping clients align their wealth with who they are.
    Investment Advisor, General Securities Representative, Managed Futures, Securities Agent; CT; IL; MO; NJ; NY; OK; OR; TX; WA; CA
    NMLS#: 1255638


444 South Flower St
34th Fl
Los Angeles, CA 90071
(213) 486-7173(213) 486-7173
(800) 832-7648(800) 832-7648
(213) 784-5505(213) 784-5505
Investment and Market Perspectives

On the Markets


Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement Income Strategies
  • Retirement Plan Participants
  • Annuities
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.


Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
Investing in Artificial Intelligence and Automation

Investing in Artificial Intelligence and Automation

AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.


Creating customized financial strategies for the challenges that today's families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
A Parent's Guide to Talking to Your Kids About Money

A Parent's Guide to Talking to Your Kids About Money

Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
Facing Financial Stress? Your Employer May Be Able to Help

Facing Financial Stress? Your Employer May Be Able to Help

Many of us face money worries. You may be able to get advice and education from an unexpected source.


Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Choosing an Environmental Charity

Choosing an Environmental Charity

There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
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Access Morgan Stanley Online

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Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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Ready to start a conversation? Contact Bernadette Harbour today.
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