John Granzow, CIMA®
Managing Director, Financial Advisor
Phone:
(704) 442-4814(704) 442-4814
The Armillary Group at Morgan Stanley
Direct:
(704) 442-4835(704) 442-4835
Our Mission Statement
Providing a client centric fiduciary approach from a highly credentialed and experienced team that leverages each other’s expertise to facilitate a seamless client experience.
Who We Are
At The Armillary Group, a wealth management advisory team, we believe that our primary responsibility is to help enhance our clients' lives with the highest quality service for high net worth families, institutions and corporations. We believe in a consultative approach to planning and investing that provides a clear vision and a dedicated focus on investors' goals. We understand the unique challenges inherent in wealth accumulation and provide objective advice for cash flow planning, trust and estate reviews, charitable giving, executive stock option planning, next generation financial education, multigenerational wealth transfers, and investment management.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHERE WE FIT IN
Managing family wealth is like running a company – you need a strategy to help manage assets and mitigate risks. Bridging the gap between wealth management and investment management services, we work with owners and founders striving to accelerate growth and develop robust succession plans. We help manage the entire process by leveraging some of the top research and investment management resources in the industry.
- The difference between invective and non-qualified stock options, as well as restricted stock awards and units.
Planning for the Unplanned
Events such as death, disability, or retirement of a business owner don't have to mean the end of a successful business. Succession planning can provide for an orderly transition of ownership and business management during lifetime or at death. There are various options for structing and funding buy-sell agreements, key employee needs, and other executive benefits programs.
Transaction of a Lifetime
Creating and growing a successful business is seldom just about money, nor is the decision to exit the business. Whether that exit is through IPO, merger with another company, private sale, or succession within the family, the process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial needs. Morgan Stanley has been helping business owners like you bring clarity and confidence to what is typically a once-in-a-lifetime event.
Understanding Your Equity Awards
How performance shares work:
Concentrated Stock & Options Analysis
Designed for executives who have significant wealth in stock and options of their company, the Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
10b5-1 Plans
As a corporate executive, you may be aware of material non-public information at any time and can also face company-imposed quarterly or specific blackout periods restricting market access to trading your company stock. A 10b5-1 plan is designed to address these issues. By utilizing a 10b5-1 plan, you can gain an affirmative defense against claims of insider trading. Your plan can include tailored trading schedules that coordinates with your personal need for liquidity and your own timing requirements.
Morgan Stanley at Work
Transform your workplace through financial well-being. From equity to retirement to college savings, our solutions help employees achieve their financial goals, so they can take your company to new heights.
INTRODUCTION TO GRAYSTONE CONSULTING
With roots tracing back to 1973, Graystone Consulting, an institutional consulting business of Morgan Stanley, adheres to a simple mission: to set the industry standard in institutional investment consulting services for sophisticated investors. Our services and advice have always centered on your fiduciary needs.
Our Focus Is On You
At Graystone, we are focused on providing you with holistic, objective investment advice and delivering the best of two worlds to you: the personalized service of a consulting boutique, and the resources of a global financial powerhouse. You'll get deeply experienced institutional consultants and access to subject matter experts who'll take the time to truly understand you and your organization, develop innovative strategies to address your challenges – and build a long term relationship based on trust.
- $747.1 Billion in total institutional advisory assets under management
- 50+ Years of experience advising institutional clients
- 50+ Offices across the U.S.
- 5,100+ Strategies monitored annually
Organizational Assessment
Our relationship begins with a conversation. Your Graystone institutional consultant will gain a thorough understanding of your organization's mission and history, investment objectives, asset & liability structure, liquidity requirements, time horizon, risk tolerances, and overall financial condition.
Investment Policy and Statement Review
We work with you to align our advice and guidance with your organization's mission. Once your goals are clearly understood and defined, we evaluate your investment policy statement to ensure appropriate benchmarks and procedures are aligned with your objectives.
Asset Allocation Study
To assist in creating a custom asset allocation tailored to your investment constraints and risk considerations, we build your investment strategy and leverage the work of our highly experienced Morgan Stanley Wealth Management Global Investment Committee.
Ongoing Review and Monitoring
Our sophisticated measurement and risk analysis reporting tools and our enhanced customized reports are designed to present a clear picture of your investment results. We regularly monitor and review changing market conditions, investment performance, and your evolving organizational goals.
Reporting and Communication
We'll keep your investment committee well-apprised of performance. As often as you wish, we'll work with them to provide up-to-date information.
Investment Manager Evaluation
We have the flexibility to conduct due diligence on managers you retain, even those not covered by our manager due diligence team.
TOOLS & RESOURCES
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Cyber Security Resources
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.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
The Dynamic Duo Behind the Armillary Group
The Perfect Balance of Drive and Heart- The Partnership Behind The Armillary Group
Over two decades ago, John Granzow stepped into the world of wealth management as a newly minted advisor-ambitious, determined, and ready to build something meaningful. But even he knew the most driven individuals need the right partner along the way. At Wachovia Securities, John met Phyllis Walkowiak, a young professional whose sharp intuition, organizational skills, and steady confidence complemented his own.
"I knew he was going to succeed," Phyllis recalls. What she didn't know was how essential she would become to that success.
From long hours, through major life events, the ups and the downs, to years spent on the road building relationships, the business grew- brick by brick, year after year. What started as two people with a shared vision has since blossomed into the Armillary Group, a partnership built on trust, grit, and genuine care for the clients they serve.
Still today, their potential continues to grow. The duo never forgets where it all began. As John often says, "Phyllis is the heart and backbone of this operation- patient, hardworking, and caring."
A perfect pairing- one that turned ambition into legacy.
Reputation, Experience, and Capabilities
Morgan Stanley is dedicated to providing first-class service to their clients, in a way that reflects their commitment to creating a more sustainable future and fostering stronger communities around the world. In each line of business, they strive to demonstrate their belief in the power of transformative thinking, innovative strategies and leading-edge solutions—and in the ability of capital to work for the benefit of all society.
Technology
Morgan Stanley is an industry leader as it pertains to technology and innovation in the financial services space. Learn more about the Modern Wealth Tools that we leverage to enhance our client experience in our "Modern Wealth Tools & Resources" section.
Investment Management
At Morgan Stanley Investment Management, our goal is to provide strong long-term performance to a diverse client base of governments, institutions, corporations, advisors and individuals worldwide. Our investment solutions include a broad range of alternative investments, active investment strategies, customization strategies, sustainability expertise and tax-management solutions.
Graystone Consulting
At Graystone, we are focused on providing you with holistic, objective investing advice and delivering the best of two worlds to you: the personalized service of a consulting boutique, and the resources of a global financial powerhouse. You'll get deeply experienced institutional consultants and access to subject matter experts who'll take the time to truly understand you and your organization, develop innovative strategies to address your challenges – and build a long term relationship based on trust.
Morgan Stanley in the Community
With one of Morgan Stanley's Core Values of "Giving Back", the Firm is deep rooted in serving the community that surrounds it. "Giving back is central to our culture and what it means to work at Morgan Stanley. We're proud to support innovative nonprofit organizations that make a difference across the globe, and to leverage the dedication, time and skills of our employees to drive impact where it's needed most" – Joan Steinberg [Global Head of Philanthropy and President, Morgan Stanley Foundation]
Location
6805 Carnegie Blvd, Ste 400
Charlotte, NC 28211
US
Direct:
(704) 442-4835(704) 442-4835
Meet The Armillary Group
Ed Dalrymple
Executive Director, Financial Advisor
Phone:
(704) 442-4823(704) 442-4823
Lauren Poleto, CFP®, RMA®
Financial Advisor
Phone:
(704) 442-4832(704) 442-4832
John Granzow II
Financial Advisor
Phone:
(704) 442-4818(704) 442-4818
Grisel Fernandez
Financial Advisor
Phone:
(704) 442-4817(704) 442-4817
Julie Jones, CFA
Financial Advisor
Phone:
(704) 442-4816(704) 442-4816
Matthew Ferrara, CIMA
Assistant Vice President, Institutional Consulting Analyst
Phone:
(704) 442-4824(704) 442-4824
Patricia Wilfong, CPWA
Assistant Vice President, Financial Planning Analyst
Phone:
(704) 442-4825(704) 442-4825
Matthew Marks
Vice President, Group Director
Phone:
(704) 442-4826(704) 442-4826
Phyllis Walkowiak
Client Service Associate
Phone:
(704) 442-4827(704) 442-4827
Shayla Stephens
Client Service Associate
Phone:
(704) 442-4828(704) 442-4828
Serena Henry
Senior Registered Client Service Associate
Phone:
(704) 442-4829(704) 442-4829
About Me
For more than 30 years, John Granzow has been devoted to providing advice and knowledge-based value for clients. The Armillary Group at Morgan Stanley Private Wealth Management offers a wide range of services, including full-service brokerage, asset management and access to trust and banking services through the Morgan Stanley Private Banking Group.
We are committed to providing clients with the services their complex financial situations demand. These services include: Comprehensive investment and planning services, executive and business owner services, estate planning strategies and consulting services to foundations/endowments and retirement plans.
We are committed to providing clients with the services their complex financial situations demand. These services include: Comprehensive investment and planning services, executive and business owner services, estate planning strategies and consulting services to foundations/endowments and retirement plans.
Securities Agent: AL, SC, CT, FL, PA, LA, KS, AZ, OK, MO, MA, VA, MS, KY, HI, DC, CA, WI, TX, OR, NY, IL, IA, NJ, OH, TN, GA, DE, CO, NC, MI, MD; General Securities Principal; General Securities Representative; Investment Advisor Representative
About Me
Edwin A. Dalrymple is a Private Wealth Advisor at Morgan Stanley Private Wealth Management. Mr. Dalrymple has worked in the investment and financial services industry for over four decades. He joined Interstate/Johnson Lane in 1981 as a financial consultant and subsequently held various management and executive positions with Interstate/Johnson Lane and its successor, Wachovia Securities, Inc. Prior to joining Morgan Stanley, Mr. Dalrymple served as a Managing Director at Wells Fargo as well as Managing Principal of CAPTRUST Financial Advisors and as President of Wachovia Securities, Inc.
Ed is a graduate of Wake Forest University and holds an MBA from Duke University. He is currently a candidate for the Master of Accounting degree at the UNC Kenan-Flagler Business School. He is also a graduate of the Securities Industry Institute at the Wharton School of the University of Pennsylvania.
Ed currently serves on the board of the Central Piedmont Community College (CPCC) Foundation. He also serves on the Executive Committee of the Mecklenburg County Boy Scouts of America. Mr. Dalrymple has previously served as a member of the Central Piedmont Community College (CPCC) Board of Trustees as a member and Board Chair, Finance Chair of the CPCC Foundation, Chairman of the Board of the Community School of the Arts in Charlotte, the Board of the Middle Atlantic District of the Securities Industry Association (now SIFMA), the Regional Firms Committee of the Securities Industry Association, the Sales and Marketing Committee of the Securities Industry Association, the Board of Visitors of the Wake Forest School of Business, and the Business Advisory Council of the Belk College of Business Administration of the University of North Carolina at Charlotte.
Ed is a graduate of Wake Forest University and holds an MBA from Duke University. He is currently a candidate for the Master of Accounting degree at the UNC Kenan-Flagler Business School. He is also a graduate of the Securities Industry Institute at the Wharton School of the University of Pennsylvania.
Ed currently serves on the board of the Central Piedmont Community College (CPCC) Foundation. He also serves on the Executive Committee of the Mecklenburg County Boy Scouts of America. Mr. Dalrymple has previously served as a member of the Central Piedmont Community College (CPCC) Board of Trustees as a member and Board Chair, Finance Chair of the CPCC Foundation, Chairman of the Board of the Community School of the Arts in Charlotte, the Board of the Middle Atlantic District of the Securities Industry Association (now SIFMA), the Regional Firms Committee of the Securities Industry Association, the Sales and Marketing Committee of the Securities Industry Association, the Board of Visitors of the Wake Forest School of Business, and the Business Advisory Council of the Belk College of Business Administration of the University of North Carolina at Charlotte.
Securities Agent: GA, SC, CO, VA, CA, MA, KS, NJ, MI, IL, DE, AL, WI, PA, OK, KY, FL, MS, AZ, TN, DC, TX, OR, OH, NC, PR, MO, MD, LA, IA, HI, CT, NY; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
About Me
Lauren Poleto is a Financial Advisor, Retirement Management Advisor, and Certified Financial Planner. With over 15 years of experience in financial services, Lauren started her career as an intern with Ayco, a Goldman Sachs company working in fixed income, which translated into a role of Senior Associate after completion of her internship. Lauren then transitioned to Merrill Lynch in 2015 performing the role of Senior Client Associate. From there, Lauren knew she wanted to do more to help others in her community and began her career as a financial advisor at Wells Fargo before transitioning to Morgan Stanley in 2025.
Lauren is a Graduate of Siena College in Loudonville, New York with a bachelor’s in economics, and frequently gives back to her community by being a mentor to young female professionals with an interest in finance. She also enjoys supporting local small businesses in her area as well as volunteering at her children’s school events.
Building relationships that are built on trust is the foundation of Lauren’s practice. She takes great pride in being able to help her clients transition from feeling uncertain and overwhelmed about their financial lives to confident and empowered. Lauren takes a personalized and empathetic approach to help others. Service is a number one priority for Lauren, as well as collaborating with all the members of her team to deliver her clients comprehensive results.
Lauren currently resides in the Charlotte Metro area with her spouse Nick and their two daughters Stella and Caroline. Being a mother is the most rewarding role in her life, and her family inspires her to be the best she can be. When she is not in the office, Lauren can be found attending Charlotte FC games with her family, traveling to Italy, and cheering on her daughters at competitive cheer competitions.
Lauren is a Graduate of Siena College in Loudonville, New York with a bachelor’s in economics, and frequently gives back to her community by being a mentor to young female professionals with an interest in finance. She also enjoys supporting local small businesses in her area as well as volunteering at her children’s school events.
Building relationships that are built on trust is the foundation of Lauren’s practice. She takes great pride in being able to help her clients transition from feeling uncertain and overwhelmed about their financial lives to confident and empowered. Lauren takes a personalized and empathetic approach to help others. Service is a number one priority for Lauren, as well as collaborating with all the members of her team to deliver her clients comprehensive results.
Lauren currently resides in the Charlotte Metro area with her spouse Nick and their two daughters Stella and Caroline. Being a mother is the most rewarding role in her life, and her family inspires her to be the best she can be. When she is not in the office, Lauren can be found attending Charlotte FC games with her family, traveling to Italy, and cheering on her daughters at competitive cheer competitions.
Securities Agent: NC, AL, OR, LA, IA, FL, TX, OH, MD, NY, GA, DC, SC, PA, VA, OK, PR, HI, AZ, WI, MS, KY, KS, IL, DE, CA, TN, NJ, MA, CT, CO, MO, MI; General Securities Representative; Investment Advisor Representative
About Me
John Granzow II is a Private Wealth Advisor at Morgan Stanley Private Wealth Management. Following in his father’s footsteps, John joined The Armillary Group in the Fall of 2024 while at Wells Fargo, transitioning to Morgan Stanley in 2025. John spent the first decade of his career as a fixed income salesmen where his clients were some of the largest asset managers, hedge funds and financial institutions in the United States.
John’s perspective is unique as he understands managers of client portfolios view risk vs reward and how they leverage their expertise and size to increase client returns.
John is a graduate from Appalachian State University in Boone, North Carolina and spent almost eight years living in Hermosa Beach CA before moving back to Charlotte, North Carolina. After a decade working in Sales and Trading within Wells Fargo’s Investment Bank, John was ready for a new chapter in his life, both personally and professionally. Growing up watching his father be there for his clients in times of joy and sorrow as well as building trust with each and every one of them, John knew that he was ready to take on this new chapter as a trusted advisor for clients. He is passionate about his role as a financial advisor as it gives him the ability to create a plan for friends, family and colleagues that will help set them up for future success while also becoming integrated in the lives of each of his clients and being there for them through the peaks and troughs that come their way. John believes there is no “one-size fits all” approach to creating these plans makes every day a unique experience while.
John currently resides in the Charlotte Metro area with his spouse Sarah who recently celebrated three years of marriage. Outside of the office, John can be found giving some of his time back to St. Jude’s and The Relatives. After playing soccer his entire life, he is also venturing into coaching opportunities in the Charlotte area to further giving back to his community.
John’s perspective is unique as he understands managers of client portfolios view risk vs reward and how they leverage their expertise and size to increase client returns.
John is a graduate from Appalachian State University in Boone, North Carolina and spent almost eight years living in Hermosa Beach CA before moving back to Charlotte, North Carolina. After a decade working in Sales and Trading within Wells Fargo’s Investment Bank, John was ready for a new chapter in his life, both personally and professionally. Growing up watching his father be there for his clients in times of joy and sorrow as well as building trust with each and every one of them, John knew that he was ready to take on this new chapter as a trusted advisor for clients. He is passionate about his role as a financial advisor as it gives him the ability to create a plan for friends, family and colleagues that will help set them up for future success while also becoming integrated in the lives of each of his clients and being there for them through the peaks and troughs that come their way. John believes there is no “one-size fits all” approach to creating these plans makes every day a unique experience while.
John currently resides in the Charlotte Metro area with his spouse Sarah who recently celebrated three years of marriage. Outside of the office, John can be found giving some of his time back to St. Jude’s and The Relatives. After playing soccer his entire life, he is also venturing into coaching opportunities in the Charlotte area to further giving back to his community.
Securities Agent: AZ, KY, MD, HI, MS, KS, CO, CA, VA, OH, MI, AL, TX, SC, OR, GA, DC, NC, NY, MA, MO, CT, LA, IL, WI, PR, PA, NJ, IA, FL, TN, OK; General Securities Representative; Investment Advisor Representative
About Me
With 27 years of experience in financial services, Grisel is dedicated to helping individuals meet their financial needs by developing investment plans tailored to long-term goals and risk tolerance. Extensive experience—gained through major shifts in the markets—has equipped her to structure balanced portfolios that address specific financial objectives.
Helping to ensure that wealth continues to support established goals requires careful, ongoing planning. Such planning is not a single event but an evolving process. As life circumstances change, so too must the investment strategies used to stay on course. Grisel works closely with each client, one-on-one, to design strategies targeted toward individual needs and goals. While not providing tax advice, she helps clients remain current with tax law changes and estate planning strategies to support wealth preservation. Her mission is to help every client plan for a financial future in a way that best aligns with personal goals. She is committed to providing thoughtful guidance and developing strategies designed to fit each client’s unique situation.
After earning a bachelor’s degree in international marketing from Pace University in New York, Grisel began her financial services career as a Personal Banker with Banco Mercantile in 1998. In 2000, Grisel joined J.P. Morgan’s International Private Bank in New York City, spending five years there and obtained her Series 7, 63, and 65 registrations. Her career path then led to Merrill Lynch in Charlotte, NC, in 2005, and in 2008 she joined Wells Fargo Advisors (formerly Wachovia Securities), before moving to Morgan Stanley in 2025.
Outside the office, Grisel enjoys traveling, reading, and exercising. She and her husband, Daniel, live in South End and have two college-aged children, Carolina and Bruno.
Helping to ensure that wealth continues to support established goals requires careful, ongoing planning. Such planning is not a single event but an evolving process. As life circumstances change, so too must the investment strategies used to stay on course. Grisel works closely with each client, one-on-one, to design strategies targeted toward individual needs and goals. While not providing tax advice, she helps clients remain current with tax law changes and estate planning strategies to support wealth preservation. Her mission is to help every client plan for a financial future in a way that best aligns with personal goals. She is committed to providing thoughtful guidance and developing strategies designed to fit each client’s unique situation.
After earning a bachelor’s degree in international marketing from Pace University in New York, Grisel began her financial services career as a Personal Banker with Banco Mercantile in 1998. In 2000, Grisel joined J.P. Morgan’s International Private Bank in New York City, spending five years there and obtained her Series 7, 63, and 65 registrations. Her career path then led to Merrill Lynch in Charlotte, NC, in 2005, and in 2008 she joined Wells Fargo Advisors (formerly Wachovia Securities), before moving to Morgan Stanley in 2025.
Outside the office, Grisel enjoys traveling, reading, and exercising. She and her husband, Daniel, live in South End and have two college-aged children, Carolina and Bruno.
Securities Agent: LA, NJ, TX, SC, MS, MD, IA, CT, NE, IL, DE, VA, PA, OR, NC, MI, HI, TN, AL, WI, OK, GA, DC, MO, AZ, KY, KS, CO, PR, OH, NY, MA, FL, CA; General Securities Representative; Investment Advisor Representative
About Me
Backed by 15 years of experience in the financial services industry, Financial Advisor Julie Jones joined the Armillary Group team in 2021 after spending nine years building and managing investment portfolios as an Investment Strategist with Wells Fargo Private Bank. Julie now builds upon this asset management experience to enjoy the perfect mix of working with people and institutions for planning while also using her analytical toolset to research markets and build portfolios.
Julie always puts her clients’ needs first and is proud to be part of a team that does the same. Her primary areas of focus are asset management and endowment oversight for large non-profits, as well as cash flow forecast, portfolio construction, and estate planning strategies for wealthy families and individuals. She also has a goal of working with successful female executives.
Prior to beginning her career, Julie earned a Bachelor of Arts in Communication from North Carolina State University. A proponent of continuing education, she also graduated with an MBA from the Kogod School of Business at American University in 2012 and has completed the necessary coursework to earn the Chartered Financial Analyst designation from the CFA Institute.
Julie lives in Charlotte with her husband, Kevin, and their three children, David, Bill, and Dorothy. Away from the office, she has given back to her community through board participation at First Presbyterian Church Schools, Ascend Non-Profit Solutions, and as a participant in Leadership Charlotte. She also enjoys doing small DIY projects throughout the house and loves any time she can spend with her kids in the great outdoors. As a family, they look forward to traveling any chance they can.
Julie always puts her clients’ needs first and is proud to be part of a team that does the same. Her primary areas of focus are asset management and endowment oversight for large non-profits, as well as cash flow forecast, portfolio construction, and estate planning strategies for wealthy families and individuals. She also has a goal of working with successful female executives.
Prior to beginning her career, Julie earned a Bachelor of Arts in Communication from North Carolina State University. A proponent of continuing education, she also graduated with an MBA from the Kogod School of Business at American University in 2012 and has completed the necessary coursework to earn the Chartered Financial Analyst designation from the CFA Institute.
Julie lives in Charlotte with her husband, Kevin, and their three children, David, Bill, and Dorothy. Away from the office, she has given back to her community through board participation at First Presbyterian Church Schools, Ascend Non-Profit Solutions, and as a participant in Leadership Charlotte. She also enjoys doing small DIY projects throughout the house and loves any time she can spend with her kids in the great outdoors. As a family, they look forward to traveling any chance they can.
Securities Agent: AL, PA, DC, TX, MS, CA, PR, NC, IA, DE, MO, AZ, WI, VA, NJ, VT, SC, MD, LA, GA, MI, IL, FL, OR, MA, OH, NY, HI, CT, TN, OK, KY, KS; General Securities Representative; Investment Advisor Representative
About Matthew Ferrara
Matthew joined The Armillary Group in 2019 and serves as the team’s analyst. His responsibilities include performance reporting, manager and fund research, asset allocation analysis, duration and yield analysis, and other various institutional reporting tasks. He attended Miami University’s Farmer School of Business and earned his B.S. in Finance. While at Miami University, he served as the CFO for Miami Business Consulting, a student-run consulting organization. He also interned at the University’s Treasury Office, where he worked alongside the Chief Investment Officer overseeing the university’s endowment.
Away from the office, Matthew enjoys giving back to his community and has volunteered with organizations such as Habitat for Humanity, South Carolina Ocean Restoration and Enhancement Program, and numerous food banks.
Matthew.Ferrara@morganstanley.com
Away from the office, Matthew enjoys giving back to his community and has volunteered with organizations such as Habitat for Humanity, South Carolina Ocean Restoration and Enhancement Program, and numerous food banks.
Matthew.Ferrara@morganstanley.com
About Patricia Wilfong
Patricia focuses on developing customized plans to empower the growth, preservation, enjoyment, and ultimate distribution of clients’ wealth. Her process includes implementing solutions based on a thorough understanding of clients’ personal values, asset growth desires, wealth transfer goals, and visions for their legacy. She enjoys working with corporate executives, business owners, and wealthy individuals and families in many areas of planning, including cash flow, retirement, risk management, estate and wealth transfer strategies, and business succession.
Patricia is passionate about educating and engaging the rising generation for wealth stewardship. Through her leadership in Family Dynamics, she has guided clients on effective communication and decision-making strategies. Her aim is to support and preserve the evolution of family wealth.
Prior to joining the Group, she served as a Wealth Planner for The Private Bank at Wells Fargo for over 10 years. She graduated with a bachelor’s degree from the University of North Carolina at Charlotte and lives outside of Charlotte with her husband, Michael, and four children, Stella, Shepard, Selwyn, and Scarlett.
Patricia.Wilfong@morganstanley.com
Patricia is passionate about educating and engaging the rising generation for wealth stewardship. Through her leadership in Family Dynamics, she has guided clients on effective communication and decision-making strategies. Her aim is to support and preserve the evolution of family wealth.
Prior to joining the Group, she served as a Wealth Planner for The Private Bank at Wells Fargo for over 10 years. She graduated with a bachelor’s degree from the University of North Carolina at Charlotte and lives outside of Charlotte with her husband, Michael, and four children, Stella, Shepard, Selwyn, and Scarlett.
Patricia.Wilfong@morganstanley.com
About Matthew Marks
With nearly three decades in financial services, Matthew Marks has worn many hats—Operations Manager, Compliance Manager, and Financial Advisor—always guided by a commitment to putting clients first. He holds FINRA Series 7, 63, 65, 9, and 10 licenses, plus insurance credentials, but his knowledge is matched by his energy outside the office. An avid runner, Matthew logs about 15 miles a week, and when he’s not jogging, you might find him hiking, golfing, or behind the mic as the public address announcer for a local high school’s football and basketball games. Whether helping clients plan their future or cheering on the home team, Matthew brings passion, dedication, and a personal touch to everything he does.
Matthew.Marks@morganstanley.com
Matthew.Marks@morganstanley.com
About Phyllis Walkowiak
Phyllis began her career at Wells Fargo Advisors (formerly Interstate/Johnson Lane) in 1997 as an operations coordinator and has more than 25 years of experience in the financial services industry. She is responsible for all chief administration, services, and operational support. By leveraging her financial knowledge and service background, she positively influences client satisfaction and assists advisors in dealing with a wide variety of client needs. Phyllis is committed to client service and has a vast array of knowledge and best practice skills. She is a graduate of King's College.
Phyllis.Walkowiak@morganstanley.com
Phyllis.Walkowiak@morganstanley.com
About Shayla Stephens
Shayla is the newest member of the Armillary Group, bringing enthusiasm and a strong client-first mindset to her role as a Client Service Associate. With a background in the hospitality industry, Shayla has developed exceptional interpersonal and organizational skills that translate seamlessly into finance, where she thrives in the dynamic and fast-paced environment. Known for her ability to build meaningful relationships, Shayla takes pride in providing thoughtful support and helping clients feel both confident and cared for.
Currently pursuing her bachelor’s degree at Georgia Northwestern Technical College, Shayla is committed to continuous growth and education and is eager to expand her expertise in financial services and looks forward to deepening her contributions to the team in the years ahead.
Outside of work, Shayla enjoys traveling to new destinations, experimenting with baking, and spending time with her dog. Looking toward the future, she is excited to continue developing her career and growing alongside the Armillary Group, with aspirations of taking on greater leadership responsibilities and making a lasting impact within the firm.
Shayla.Stephens@morganstanley.com
Currently pursuing her bachelor’s degree at Georgia Northwestern Technical College, Shayla is committed to continuous growth and education and is eager to expand her expertise in financial services and looks forward to deepening her contributions to the team in the years ahead.
Outside of work, Shayla enjoys traveling to new destinations, experimenting with baking, and spending time with her dog. Looking toward the future, she is excited to continue developing her career and growing alongside the Armillary Group, with aspirations of taking on greater leadership responsibilities and making a lasting impact within the firm.
Shayla.Stephens@morganstanley.com
About Serena Henry
Serena brings more than two decades of experience in the financial industry, with a career distinguished by her dedication to client service and operational excellence. Serena began her career in 2001 with First Union Bank in Charlotte, NC, and went on to serve in a variety of service-oriented roles as the firm evolved into Wachovia and later Wells Fargo. These early experiences gave her a strong foundation in client relations and financial operations.
In 2006, Serena transitioned into the mutual funds back-office department before returning to her home state of New York in 2007 to rejoin Wachovia. In 2009, Serena moved into Wells Fargo’s brokerage division, beginning her investment career in the Operations department as a New Accounts Specialist. In 2013, she advanced to the front office as a Client Associate, before becoming a Senior Registered Client Service Associate when she joined Morgan Stanley in 2025. Over the years, Serena has deepened her expertise by earning her Series 7, 63, 66, and insurance licenses, enabling her to serve clients with knowledge, insight, and care.
In 2021, Serena returned to the South, putting down roots in York, SC. Outside of the office, Serena enjoys spending time with her family and caring for her two cats and two dogs and is also an avid gardener, an enthusiastic traveler, and a passionate reader—pursuits that reflect her love of growth, learning, and exploration.
Serena.Henry@morganstanley.com
In 2006, Serena transitioned into the mutual funds back-office department before returning to her home state of New York in 2007 to rejoin Wachovia. In 2009, Serena moved into Wells Fargo’s brokerage division, beginning her investment career in the Operations department as a New Accounts Specialist. In 2013, she advanced to the front office as a Client Associate, before becoming a Senior Registered Client Service Associate when she joined Morgan Stanley in 2025. Over the years, Serena has deepened her expertise by earning her Series 7, 63, 66, and insurance licenses, enabling her to serve clients with knowledge, insight, and care.
In 2021, Serena returned to the South, putting down roots in York, SC. Outside of the office, Serena enjoys spending time with her family and caring for her two cats and two dogs and is also an avid gardener, an enthusiastic traveler, and a passionate reader—pursuits that reflect her love of growth, learning, and exploration.
Serena.Henry@morganstanley.com
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1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
7When 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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
7When 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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
