Michelle Andrews
Vice President, Vice President
Phone:
(765) 420-8402(765) 420-8402
Morgan Stanley
South Bend Branch Office
You define success, we help you achieve it
4100 Edison Lakes Pkwy
Ste 200
Mishawaka, IN 46545
US
Branch:
(574) 233-9400(574) 233-9400
Toll-Free:
(800) 322-2425(800) 322-2425
Branch Manager
Michael L. GreenPhone:
(317) 818-7320(317) 818-7320
About Morgan Stanley South Bend Branch
Our Financial Advisors strive to earn the trust of many individuals, families and institutions while helping them achieve their goals. With a full suite of services, our objective is to deliver the resources that can best accomplish each client’s unique goals.
Our Core Values:
I. Putting Clients First – We believe strongly in our responsibility to put our client’s interests ahead of all else
II. Doing the Right Thing – We do our work right the first time and as a model for others to emulate
III. Leading With Exceptional Ideas – Improvement is always the goal, and we welcome innovation to better serve our clients
IV. Giving Back – Building a better world means giving back and growing together
V. Commit to Diversity and Inclusion - Value individual and cultural differences as a defining strength
We look forward to working together.
Our Core Values:
I. Putting Clients First – We believe strongly in our responsibility to put our client’s interests ahead of all else
II. Doing the Right Thing – We do our work right the first time and as a model for others to emulate
III. Leading With Exceptional Ideas – Improvement is always the goal, and we welcome innovation to better serve our clients
IV. Giving Back – Building a better world means giving back and growing together
V. Commit to Diversity and Inclusion - Value individual and cultural differences as a defining strength
We look forward to working together.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley South Bend Branch
Paloma Aguayo
Assistant Vice President, Business Service Officer
Phone:
(317) 818-7426(317) 818-7426
About Michelle Andrews
Michelle is a seasoned professional in the financial industry, with a career spanning over three decades. Her primary responsibilities include managing risk, overseeing branch procedures, and conducting compliance training. Michelle's extensive experience and qualifications make her a key asset to the team.
Michelle began her career in the financial industry in 1988 as a Wire Operator and has since held multiple positions, showcasing her versatility and expertise. She holds several FINRA licenses, including the Series 7 - NYSE/NASD General Securities, Series 63 - Uniform State Exam, Series 65 - Investment Advisor Exam, Series 8 - General SEC Sales Supervisor, and Series 3 - Commodity Exam. One of Michelle's primary goals is to ensure that Financial Advisors and Support Professionals have a comprehensive understanding of the Firm’s policies and procedures. She is dedicated to providing resources and guidance to employees, fostering a well-informed and compliant work environment.
Outside of her professional commitments, Michelle enjoys flower gardening and traveling. She resides in Lafayette, Indiana, with her husband, Brad. Michelle's dedication to her role and her personal interests reflect her well-rounded character and commitment to excellence.
Michelle began her career in the financial industry in 1988 as a Wire Operator and has since held multiple positions, showcasing her versatility and expertise. She holds several FINRA licenses, including the Series 7 - NYSE/NASD General Securities, Series 63 - Uniform State Exam, Series 65 - Investment Advisor Exam, Series 8 - General SEC Sales Supervisor, and Series 3 - Commodity Exam. One of Michelle's primary goals is to ensure that Financial Advisors and Support Professionals have a comprehensive understanding of the Firm’s policies and procedures. She is dedicated to providing resources and guidance to employees, fostering a well-informed and compliant work environment.
Outside of her professional commitments, Michelle enjoys flower gardening and traveling. She resides in Lafayette, Indiana, with her husband, Brad. Michelle's dedication to her role and her personal interests reflect her well-rounded character and commitment to excellence.
About Paloma Aguayo
Paloma’s career spans 15 years in the financial services industry and in her professional journey, she has held roles in banking, as a stockbroker, portfolio analyst, securities analyst, and most recently as a Business Service Officer for Morgan Stanley in the Indiana Central Illinois market.
Paloma is originally from Los Angeles, California, but she has established herself in Indiana for the past 18 years. She attended Indiana University pursuing a degree in Finance and Economics. Together with her husband, they have 2 kids who are actively involved in performing arts, several extracurricular activities, and volunteer work.
She enjoys attending concerts, sporting events, traveling, and exploring the city for fun activities. Paloma supports her community through involvement in National CASA as a child advocate and the AFSP- American Foundation for Suicide Prevention, Indiana chapter. Paloma is driven by a deep commitment to fostering collaborative environments, reaching goals, learning from others, and cultivating strong positive relationships that allow us to reach our full potential.
Paloma is originally from Los Angeles, California, but she has established herself in Indiana for the past 18 years. She attended Indiana University pursuing a degree in Finance and Economics. Together with her husband, they have 2 kids who are actively involved in performing arts, several extracurricular activities, and volunteer work.
She enjoys attending concerts, sporting events, traveling, and exploring the city for fun activities. Paloma supports her community through involvement in National CASA as a child advocate and the AFSP- American Foundation for Suicide Prevention, Indiana chapter. Paloma is driven by a deep commitment to fostering collaborative environments, reaching goals, learning from others, and cultivating strong positive relationships that allow us to reach our full potential.
Interested in a Career at Morgan Stanley?
Financial Advisors
Morgan Stanley Wealth Management grants Financial Advisors access to global resources and capabilities that will take your business to the next level—and provide confidence to your clients.
Experienced Professionals
Leverage your talent, hone your skills and build a career at Morgan Stanley, where our goal is always to deliver first-class business in a first-class way.
Branch Address
4100 Edison Lakes Pkwy
Ste 200
Mishawaka, IN 46545
US
Branch:
(574) 233-9400(574) 233-9400
Toll-Free:
(800) 322-2425(800) 322-2425
Fax:
(574) 234-2484(574) 234-2484
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
7Morgan 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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
7Morgan 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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
CRC 4665150 (08/2025)