The Four Harvest Group at Morgan Stanley

As the senior member of The Barnes Group, Tom Barnes brings knowledge, wisdom and experience to the management of the group's client portfolios. In addition to his Bachelor of Science degree in Business from Western Kentucky University and Series 7, 63 and 65 registrations, he has more than 40 years of experience as a financial advisor.

In addition to setting overall strategy for the team, Tom oversees asset allocation and comprehensive plans of record for each client, providing a “second look” to distill the best thinking to help each client work toward reaching their desired financial outcome. He often collaborates with a client's other professional associates such as accountants and estate attorneys, where appropriate.

Tom was recognized every year as a Premier Advisor at his previous firm and takes pride in providing investment advice to help build generational wealth. He continues to use his comprehensive financial planning strategies and enjoys staying personally engaged with his clients. By earning the lifelong trust of his clients, in many cases, he is advising the fourth generation of many families.

Tom resides with his wife Terri in Louisville, Kentucky and Phoenix, Arizona. He enjoys time with his three adult children and six grandchildren. He relaxes by playing golf and hiking in both Kentucky and Arizona.

As a Senior Vice President of The Four Harvest Group, Thomas is dedicated to making financial security as accessible and transparent as possible. This is his passion.

Thomas Barnes holds a Bachelor of Science degree in Economics and Finance from Southern Methodist University, is Series 7 and 66 registered, and holds relevant insurance licenses.

During his youth, Thomas saw his father care for the financial interests of his clients and learned early on the importance of helping them set appropriate goals and establish disciplined investment practices to work toward those goals. Now a 20-year veteran, Thomas oversees the day-to-day management of the team's practice, ensuring that clients are provided with a consistent process from each advisor on the team. He focuses on custom financial planning and personalized investment management. In addition, he provides clients with access to the full range of financial resources, as appropriate, for their financial needs; including portfolio management, wealth management, asset allocation, 401K and retirement plan management and individual investments. He enjoys staying connected and interacting with his clients, whether the occasion is a regular meeting or a client family celebration.

Thomas is a believer in contributing to the strength of the communities in which he works and lives. He participates in several charitable organizations including The American Cancer Society, Speed Museum, Love City and The Healing Place.

Thomas resides in Louisville, Kentucky with his wife Tiffany and their two children.

Thomas was named to the 2023 and 2024 Forbes rankings of Best-In-State Wealth Advisors for Kentucky.

2023-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.

For nearly two decades, Bayard has provided significant value to his clients through a focus on understanding each client’s unique situation and goals, and providing the best available strategies to achieve those goals. Bayard has built his practice by advising successful families, business owners and professionals in the growth, preservation and transition of their wealth. He offers holistic investment planning, including tailored investment strategies, estate investment planning, and wealth transfer strategies.

Prior to joining Morgan Stanley, Bayard served his clients at JPMorgan Chase and Wells Fargo Advisors. His experience has taught him the importance of having a disciplined process, best in-class resources, and always putting his client’s interests first.

Bayard is a graduate with distinction from the University of Louisville where he received his Master’s in Business Administration with a concentration in Entrepreneurship. He earned his Bachelor of Science degree in Business from Samford University. Bayard is also a graduate of the Investment Banking Institute in Chicago.

Bayard resides in Anchorage, Kentucky with his wife Jennifer and their three children. He is very active in his community and church. He believes in the importance of supporting those in need, and focuses time serving local not-for-profits including Access Ventures and Love City.


The securities/instruments discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives. Morgan Stanley Wealth Management recommends that investors independently evaluate specific investments and strategies, and encourages investors to seek the advice of a financial advisor.

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. 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.

Josh is a graduate from the University of Kentucky with over a decade of experience as a financial advisor. As your Morgan Stanley Advisor, Josh works with you to help discover how your financial assets can work for you to help achieve your goals. Financial planning is the cornerstone for how Josh serves his clients. Taking the time to understand you, your family, your needs, and your goals allows him to provide you with personalized guidance and advice.

Josh and his wife Katy are the proud parents of 4 children. When Josh is not serving his clients, he can be found supporting the Louisville community, spending time outdoors with his family, and playing golf.

Rachel started her career in the financial service industry in 2017 after earning her Bachelor of Science in Finance from Virginia Tech. She joined RBC Wealth Management in the summer of 2017. With over 6 years of experience as a support professional for various high producing financial advisors, Rachel has enjoyed demonstrating her analytical skills by segmenting their books of business with a proactive outreach model. In the past, she enjoyed partnering with financial advisors to help clients with their wealth planning strategies. She is fully registered with her series 7 & 66.
Rachel is from Arlington, Virginia. She recently got married and relocated to Kentucky with her husband, who is attending law school at the University of Kentucky. In her free time, you can find Rachel at a sporting event, or outside hiking.

Sarah is a Registered Associate with over 5 years of experience serving clients. She supports and leads the client experience for each of the team's clients. Sarah resides in Louisville with her husband and daughter. When she is not serving her clients, you can find Sarah reading a good book, getting a long run in or searching for excellent restaurants to enjoy with her family.