About Mike

When you think about wealth management, what comes to mind? I define wealth management broadly – investment consulting, advanced planning, and relationship management. I have helped clients organize their assets and understand their finances, and hold family meetings to clarify financial positions and structure gifting strategies. I am able to help clients develop comprehensive asset allocation and cash flow strategies as well as retirement, education, and insurance plans. I work directly with clients and their other advisors to develop and monitor a cohesive wealth management approach.

I believe my clients are not portfolios of assets – they are people with complex lives, who would like a financial advisor to provide thorough, unbiased and carefully considered guidance on a range of topics. My clients are investors - not traders - and believe that seeking to help protect a portfolio during difficult markets is equally as important as growing it during strong markets.

My mission is to help clients make some of life's most critical choices, decisions appropriate for where they are - and where they want to go. I focus on what is prudent and logical for the specific individual or couple seeking our advice. I work hard each day to help clients make decisions with which they can maintain their lifestyles for years to come.

Outside of my professional life, I am active in a number of civic and community organizations. I have served as a member of the Board of Directors of Little League Baseball, and the IntraClub Board. I am an active participant and volunteer at the Metrolina Second Harvest Food Bank, Loaves and Fishes and Friendship Trays, and Calvary Church of Charlotte where I serve on the leadership team of my Adult Life Group.

My wife, Pam, and I live in Charlotte, NC and have two daughters, a son, and four grandchildren. I enjoy playing tennis, golf, and spending time with my friends and family.
Services Include
Securities Agent: UT, GA, WA, NY, NJ, ID, VA, PA, MD, FL, AL, CO, TX, MN, MA, CT, CA, AZ, NC, SC, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1321613
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Mike's Process:

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    Financial Planning
    Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
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    Wealth Management
    We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
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    Retirement Planning
    This is paramount and ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
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    401(k) Rollovers
    Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can ensure that there is no risky overlap or concentration insecurities. We can make taking required minimum distribution‘s easier. You also have the full suite of an open platform from which to choose investments from.
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    Corporate Retirement Plans
    We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
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    Business Succession Planning
    A lot of thought and planning go into a successful succession strategy. We can help you navigate the requirements of working with other professionals in addition to us to achieve the results you want.
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    Estate Planning Strategies
    Helping you achieve your goals for an efficient transfer of wealth to future generations or charities is an area where we have experience and resources to help you.
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    Lending Products
    We have the ability to offer you or your business a wide variety of lending solutions. Our cash management systems, mortgage lending and lines of credit or the leading edge of what is available in the market.
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    Asset Management
    Based on your goals, assets and input, we create an investment strategy tailored to your unique needs.
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    Business Planning
    We can help you by sharing our experience in helping other business owners just like you. We have ideas and strategies to help you grow or sell your business.

Planning For You:

My goal is to help you achieve your financial goals and dreams. We do this together by periodically reviewing your plan’s progress and making small adjustments along the way.

We use the plan to mitigate risks that can cause you to run out of money like overspending, inflation, interest rates, longevity, and volatility in the markets. If you are like most of my clients you will feel relief that you have finally gotten it done, satisfaction that you are working with someone your trust, and hope for a brighter future.
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    LifeView Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
    Click Here to Learn More
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    Goals Planning System (GPS)
    Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
    Click Here to Learn More

VALUABLE TOOLS & RESOURCES:

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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    Morgan Stanley Online
    Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Learn More About MSO
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    On The Markets Research Report
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
    Read The Latest Report
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    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn More About Online Security Center
    Digital Vault
    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
    Get Started Today
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    Reserved Living and Giving
    Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
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    Morgan Stanley American Express Credit Card
    Check out Morgan Stanley's American Express Credit Card for elevated benefits, 2x membership rewards points on select purchases and more.
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    How to Access Your Tax Forms
    1. Log into your account via Morgan Stanley Online
    2. Click the Accounts tab
    3. Select the Documents tab
    4. Go to the Statement drop-down tab
    5. Select Tax Documents and download them
    Click here to log in to Morgan Stanley Online

Client Service Team

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    Suzanne Christian - Senior Registered Associate
    Phone:
    (704) 442-3413(704) 442-3413
    Email:Suzanne.Christian@morganstanley.com
    • Employed by Morgan Stanley since 2021 with prior 15 years industry experience.
    • Series 7 - General Securities Representative
    • Series 66 - State Securities Law Exam
    Leslie Ware
    Phone:
    (980) 465-7394(980) 465-7394
    Email:Leslie.Ware@morganstanley.com

Location

13024 Ballantyne Corp Pl
Ste 150
Charlotte, NC 28277
US
Direct:
(980) 465-7397(980) 465-7397
Toll-Free:
(800) 766-3770(800) 766-3770
Fax:
(704) 571-3300(704) 571-3300
Wealth Management
Global Investment Office

Portfolio Insights

Retirement

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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Investing

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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.

Tax-Smart Ways to Sell Securities

Realizing profits seems like the best part of investing, but taxes can add up. Our new analytics tool can help investors tap their portfolios in tax-savvy ways.

Family

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
529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Philanthropy

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Mike Richardson today.
Market Information Delayed 20 Minutes
1Morgan 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 www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth 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.

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5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth 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.

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6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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11Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.

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12Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

The 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.

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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

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Awards Disclosures
CRC 6491812 (04/2024)