Jared M. Bush
Private Banker
Ray Givens
Vice President,
Financial Advisor
Direct:
(704) 896-9120(704) 896-9120
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story
Ray Givens places great importance on nurturing strong relationships with clients. Known for his naturally caring personality and excellent communication skills, he is keenly adept at making others feel very comfortable because he takes the time to listen and understand what is truly important to the client. Having come from a humble background, Ray has tremendous empathy for others, which pushes him to exceed his clients’ expectations. “I strive to help clients optimize their resources so they can make the most of what they have,” he says.
Born and raised in North Carolina, Ray began his financial services career as a Merchant Specialist with Bank of America in 2012. After four years with Merrill Lynch, he joined Morgan Stanley in 2017. Throughout his career, he has dedicated himself to thoroughly understanding the priorities of high-net-worth individuals and families and has consistently provided them with personalized attention and disciplined, customized investment strategies.
Ray works closely with clients to help identify their primary goals in education funding, tax management and retirement. He and his team craft strategies designed to help clients pursue desired outcomes, while building, managing, and preserving wealth for current and future generations.
He is also a firm believer in paying close attention to the complete client including both sides of the balance sheet, which is why he offers access to services from Morgan Stanley Private Bank, N.A. Clients can draw upon an expansive array of cash management, credit and other lending solutions designed to fit into their overall investment strategies.
Ray is a graduate of North Carolina Central University, and holds an M.B.A. degree from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill. He is active in his community as a volunteer with his high school alma mater, Garinger Senior High. He also participates in Habitat for Humanity, Susan Komen and the Boy and Girl Scouts of America.
A deeply devoted family man, Ray is the father of two children, Cooper and Rayah. Cooper is studying dentistry, and Rayah is majoring in business finance. In his free time, Ray enjoys traveling, running, and volunteering. He is also enterprising: He has six patents in the US Patent Office from research at UNC-Chapel Hill.
Born and raised in North Carolina, Ray began his financial services career as a Merchant Specialist with Bank of America in 2012. After four years with Merrill Lynch, he joined Morgan Stanley in 2017. Throughout his career, he has dedicated himself to thoroughly understanding the priorities of high-net-worth individuals and families and has consistently provided them with personalized attention and disciplined, customized investment strategies.
Ray works closely with clients to help identify their primary goals in education funding, tax management and retirement. He and his team craft strategies designed to help clients pursue desired outcomes, while building, managing, and preserving wealth for current and future generations.
He is also a firm believer in paying close attention to the complete client including both sides of the balance sheet, which is why he offers access to services from Morgan Stanley Private Bank, N.A. Clients can draw upon an expansive array of cash management, credit and other lending solutions designed to fit into their overall investment strategies.
Ray is a graduate of North Carolina Central University, and holds an M.B.A. degree from the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill. He is active in his community as a volunteer with his high school alma mater, Garinger Senior High. He also participates in Habitat for Humanity, Susan Komen and the Boy and Girl Scouts of America.
A deeply devoted family man, Ray is the father of two children, Cooper and Rayah. Cooper is studying dentistry, and Rayah is majoring in business finance. In his free time, Ray enjoys traveling, running, and volunteering. He is also enterprising: He has six patents in the US Patent Office from research at UNC-Chapel Hill.
Securities Agent: WI, WY, WV, SD, WA, VT, VI, PA, TN, SC, TX, PR, OR, OK, OH, UT, NV, NJ, KY, NC, MI, MO, MN, MT, ME, MD, MA, MS, LA, NM, NH, KS, IN, IL, ID, IA, ND, GA, FL, NE, DE, DC, HI, CT, CO, CA, AZ, RI, AK, AR, AL, VA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1206947
NMLS#: 1206947
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
RESOURCES FOR YOUR FAMILY FINANCIAL NEEDS
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities. Our Family Office services will help you manage the complex, multigenerational challenges of managing significant wealth.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
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Private Banking Group
Morgan Stanley Lending Solutions allow clients to finance
almost any personal or business need, access a flexible
line of credit and keep assets invested in the market.
Lending Solutions include:
- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
almost any personal or business need, access a flexible
line of credit and keep assets invested in the market.
Lending Solutions include:
- Securities Based Loans
- Home Loans
- Commercial Real Estate
- Tailored Lending
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan. The key for boosting long-term investment returns is being smart about tax efficiency.
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Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
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Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
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Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
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Meeting with an Estate Plan Attorney
You have worked long and hard to achieve success and build wealth for you and your family. A key resource for you during this estate planning process is an experienced
estate planning attorney. He or she will meet with you to develop your plan and write a Will, trust and possibly other legal documents. This guide is designed to help you prepare for your meeting with your estate planning attorney.
Learn Moreestate planning attorney. He or she will meet with you to develop your plan and write a Will, trust and possibly other legal documents. This guide is designed to help you prepare for your meeting with your estate planning attorney.
Morgan Stanley Corporate Trustee Platform
When it comes to offering a corporate trustee for a personal trust account, Morgan Stanley has an open architecture corporate trustee platform. We have legal
arrangements with several third-party trust companies and banks who can serve as trustee, co-trustee or successor trustee for your personal trust.
Learn Morearrangements with several third-party trust companies and banks who can serve as trustee, co-trustee or successor trustee for your personal trust.
Transferring Your Trust
While certain elements of a trust may be set in stone, the person or institution named to act as trustee often is
not. A trustee holds fiduciary responsibility to manage and administer the trust under the terms of the trust document in a manner most advantageous to the beneficiaries of the trust. Changing a trustee is controlled by the terms of the trust agreement and may have some requirements or restrictions. However in many cases, a trustee can be changed.
Learn Morenot. A trustee holds fiduciary responsibility to manage and administer the trust under the terms of the trust document in a manner most advantageous to the beneficiaries of the trust. Changing a trustee is controlled by the terms of the trust agreement and may have some requirements or restrictions. However in many cases, a trustee can be changed.
2024 Federal Gift and Estate Tax Exemption
Take a look at this document to view the 2024 Federal Gift and Estate Tax Exemption.
Learn MoreMANAGING FAMILY & GENERATIONAL WEALTH
Managing significant family and generational wealth is complex and often raises difficult questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy.
Learn More Here
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Learn More Here
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Learn More Here
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Learn More Here
Estate Planning Strategies
Tax, Trust & Estate (TTE) strategy has the potential to be incredibly powerful if executed effectively. For a successful TTE plan, it is critical to create a TTE implementation in combination with a TTE strategy.
Learn More Here
Importance of a Holistic Approach to Your Wealth Video
Watch the below video from Morgan Stanley Family Office Resources to learn how Morgan Stanley FOR can help integrate family values, philanthropy, and legacy into your unique wealth plan.
Learn More HereFINANCIAL PLANNING
Please see below financial planning resources and contact me with any questions
Goals Planning System Client Questionnaire
Please see the below Goals Planning System Client Questionnaire to help outline your financial goals.
View Here
Goals Planning System Introduction Video
Learn more about our Goals Planning System software by watch this informational video.
Watch Here
Total Tax 365 - Intelligent Withdrawals Video
Learn more about what Total Tax 365 - Intelligent Withdrawals by watching the below video.
Watch Here
Sample Retirement Goal Draft Report
Click the link below to view a sample Retirement Goal Draft Report.
View Here
Ways to Pay for College: 529 Plans and More
A 529 plan may be viable plan to invest for future education costs, but there are also other options to raise the funds you need.
View HereLocation
17505 W Catawba Ave
Ste 300
Cornelius, NC 28031
US
Direct:
(704) 896-9120(704) 896-9120
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Jared M. Bush
Jared Bush is a Private Banker serving Morgan Stanley Wealth Management offices in the Carolinas.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jared began his career in financial services in 2004, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Premier Client Manager at Bank of America and as a Licensed Financial Specialist at Wells Fargo.
Jared is a graduate of Slippery Rock University, where he received a Bachelor of Science in Sports Management. He lives in Charlotte, North Carolina with his family. Outside of the office, Jared enjoys playing golf, listening to music, and spending time with family and friends.
NMLS#: 619654
Wealth Management
From My Desk
The Pelican Bay Group Q2 2024 Market Commentary
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
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
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
Are You Prepared for Tax Day?
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Ray Givens today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
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.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2When 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
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.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
