Keys to a Successful Relationship

Keys to a Successful Relationship: What You Can Expect

You can expect that we will consistently and responsibly perform all services related to the provision, review and ongoing monitoring of the financial planning solutions we implement on your behalf.

We will always:

- Strive to acquire and maintain a thorough understanding of your financial goals.
- Update your current financial information on a regular basis.
- Carefully assess and monitor your investment risk and time frame.
- Explain the implications of all recommended financial planning strategies and gladly answer any questions you may have.- Update you as and when appropriate by email, mail and phone.
- Meet with you regularly to review your Personal Financial Organizer (PFO).
- Act as your primary Financial Advisor, coordinating the efforts of other related professionals as and when required.
- Treat you with utmost respect and professionalism.

Keys to a Successful Relationship: What I Can Expect

We’ve learned through experience that effective communication and mutual respect are essential to a long-term working relationship. 

A few other criteria which help define our success include:

- Your commitment to us as your Financial Advisors 
- Your trust in our abilities to provide you with recommendations and advice 
- Your complete disclosure about what matters to you most

We need you to know that our recommendations are always based on helping you achieve your financial and lifestyle goals. It is important you understand that all investment, tax, estate and insurance advice will be based on the information you provide to us. Therefore, in order for us to offer recommendations and advice best suited to you, we need you to fully participate in the financial planning process with us.

Keys to a Successful Relationship: Mutual Responsibilities

We will always work together in the spirit of mutual trust, respect, and understanding.
Services Include
  • Financial Planning1
  • Wealth Management2
  • Professional Portfolio Management3
  • Philanthropic Management4
  • Estate Planning Strategies5
  • Cash Management and Lending Products6
  • Planning for Education Funding7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Checklist for Passing Family Member

2018 Checklist for the Passing of a Family Member.pdf

Location

595 So Federal Hwy
Ste 400
Boca Raton, FL 33432
US
Direct:
(561) 393-2044(561) 393-2044
Toll-Free:
(800) 327-0144(800) 327-0144

Meet The Harbor Financial Group

About Me

Eric L. Applewhite III, Senior Portfolio Manager with Morgan Stanley*, has three priorities with his clients.  He wants to educate them about the importance of risk management, develop a disciplined plan of investing and demonstrate the value of tactical asset allocation.  He sets out to accomplish this with the use of technical and fundamental analysis.  He manages five portfolio strategies emphasizing a relative strength discipline and utilizing exchange traded funds, closed-end funds, individual equities and bonds.  Eric’s strategies include: (1) a tactical income strategy,  (2) a tactical global macro strategy,  using all six asset classes; domestic equity, international equity, commodity, currency, fixed income or cash, (3) a tactical fully-invested, sector (4) and (5) a long only tactical equity strategy. All strategies employ a similar discipline, but the client’s investment objective determines which strategy to use. 

Eric joined Morgan Stanley* twenty years ago and has over twenty five years of experience in the financial services industry. He conducts a weekly educational forum and conference call for advisors to review the tactical and strategic use of technical and quantitative analysis. He encourages open discussion and ideas.

He is a Certified Financial Planner, a member of the Institute of Certified Financial Planners and an affiliate of the Market Technicians Association and a member of the Portfolio Management Institute.  He leads a seven member team in Boca Raton, Florida which as of July 2017, has $500 million in discretionary client assets under management and has many strategic partnerships with advisors throughout the firm. 

Eric resides in Boca Raton with his wife, Laurie, and their four children.
Securities Agent: FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1279508

About Me

Howard Guggenheim serves as Senior Vice President, Financial Advisor and Financial Planning Specialist at Morgan Stanley*. He started his career in 1954 in the operations department at Joseph, Mellen and Miller Inc. in Cleveland, Ohio while at Case Western Reserve University. After completing his studies, he joined the firm as a Financial Consultant and rose through the ranks becoming Vice President in 1961.

In 1965, Howard joined McDonald & Company, a leading investment banking and municipal underwriting firm, as a partner in sales. He joined Smith Barney in 1978 as an Assistant Branch Manager in Cleveland. Later, he relocated to Boca Raton, Florida to manage a new and expanding branch. Over the next 20 years, Howard oversaw the growth of the operation from $500,000 to over $22,000,000 with $2.3 billion in assets under management. 

Throughout his career, Howard has served in leadership positions for numerous industry groups. He was a member of the Cleveland Security Traders Association. In Florida, he served as chairman of the Florida Securities Dealers Association. He also has served as chairman of the National Association of Securities Dealers Business Conduct Committee. In addition he served as chairman of Securities Industry Association, Southern District and headed up the Stock Market Games, which is the Foundation for Investor Education’s program that simulates real-world investing for school children.

Howard also has given his time and commitment to serve in leadership positions for a number of philanthropies and community groups. While in Cleveland, he was chairman of the Bankers and Brokers Division of the United Jewish Appeal. He served on the board of Menorah Park, Jewish Home for the Aged, and was chairman of the Admissions Committee and of its Foundation. He also served on the boards of the Jewish Vocational Services and the American Jewish Committee. 

In addition, Howard served as chairman of the Florida Atlantic University Foundation, and was the first founder of the school’s football program. He also created the Howard Guggenheim Athletic Scholarship at the school. 

Howard resides in Boca Raton and enjoys spending time with his three children and five grandchildren.
Securities Agent: FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; General Securities Principal; BM/Supervisor; Investment Advisor Representative
NMLS#: 1262332

About Me

Julie is a Senior Vice President and Wealth Advisor with the Harbor Financial Group at Morgan Stanley, as well as a Portfolio Management Director. In her role, she focuses on retirement, tax, estate and business planning; cash flow analysis; education savings; family security; and investment strategies, all of which enhance the family office experience.

Through more than 30 years in the financial services industry, Julie has gained extensive knowledge and specialized training in financial and estate planning. She is a CERTIFIED FINANCIAL PLANNER and has completed the five Certified Commercial Investment Member courses that contributed to her success as a real estate developer for her family business early in her career. Julie is a contributor to Attorney At Law magazine, which covers North Broward and Palm Beach counties, and she is a non-attorney member of the South Palm Beach County Bar Association.

After receiving her bachelor’s degree in business administration from the University of North Dakota, Julie continued her studies at the Centre International D’Etudes Francaises at Catholic University of the West in Angers, France. She then returned to the University of North Dakota to obtain her M.B.A with an emphasis in finance and marketing. Julie then went on to receive her Certificate of Graduate Studies from the American Graduate School of International Management in Arizona.

Julie lives in Boca Raton with her husband, Chuck, and they have three adult children. She has a passion for art and philanthropy, and she serves as a trustee at the Boca Raton Museum of Art and has been active in various committees with the museum since 1998. In recognition of her dedication to the museum, the Junior League of Boca Raton recently nominated Julie for the “2016 Woman Volunteer of the Year.”
Securities Agent: FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1278643

About Me

Daniel brings 30 years of investment experience to his role as a Financial Advisor and Financial Planning Specialist at the Harbor Financial Group at Morgan Stanley. He enjoys developing client relationships with professionals who are either preparing for retirement or are in retirement including those interested in multigenerational planning.

Daniel began his career in the financial services industry as an institutional equity sales trader with McDonald & Company Securities. He joined Smith Barney (Morgan Stanley’s predecessor firm) in 1989 to work with institutional clients, and in 1992 he moved to the retail side of the firm to support individuals, small businesses and nonprofit groups. During his years as a securities trader, Daniel became president of the Cleveland Security Traders Association. He has also served as a volunteer to help educate students and administrators through the Center for Economic Development at John Carroll University.

Since graduating from the University of Florida with a degree in finance, Daniel has been involved with the Northeast Ohio Gator Club alumni organization, where he has held the positions of president and treasurer. He resides in Boca Raton, Florida, and Chagrin Falls, Ohio, and enjoys outdoor activities including: cycling, camping, fishing, cooking and spending time with his two children.
Securities Agent: OH, FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1463090

About Me

Bill French is a Vice President Financial Advisor at Morgan Stanley, and has been with the firm for 55 years. After serving as a branch manager for ten years, Bill decided to return to his role as a Financial Advisor.

He is the former director of the Security Industry Association- southern District, the former Chairman of the Florida Securities Dealers Association, a member Emeritus of the Economic Roundtable of Boca Raton, and has served his community through the YMCA as Founder and first President and as chairman of the FAU Foundation. He graduated B.A. from Amherst College, and went on to receive his MBA from New York University.

Bill spends his leisure hours in Boca Raton and weekends in the Florida Keys with his wife and two golden retrievers.
Securities Agent: FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, GA, DE, DC, CT, CO, CA, AZ, AR, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; General Securities Principal; BM/Supervisor; Investment Advisor Representative
NMLS#: 1530254

About Me

Elton S. Stevens is a Vice President and Senior Portfolio Manager with Morgan Stanley* (MSSB). He has been with Morgan Stanley* and its predecessors since 1992 and has over fifty years of experience in the financial industry. 

Elton believes that effective money management is accomplished by limiting investments to assets that demonstrate strong relative strength. He couples this approach with an active risk management oversight. The objective of this approach is to hold strong investments and sell weak ones. 

Elton’s investment approach allows him to invest in different areas of the investment spectrum. Depending on the market, he will invest in stocks, ETFs, bonds, commodities, currencies or cash. The mix of investments will depend on the market and the relative strength of those investment choices. 

Elton limits his financial practice to Discretionary Portfolio Management. He believes that this approach best aligns his expertise with his client’s interest. 

Elton lives in Boca Raton with his wife Trudi. He grew up in Chicago and earned a BS degree from the University of Illinois. He has lived in Florida since 1964.
Securities Agent: FL, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative

About Me

Ross has been a Financial Advisor with Morgan Stanley since joining the firm in 2013. He has been named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first class client service. As a Certified Financial Planner®, he follows a disciplined process to work with clients to craft a solution that helps to meet their individual financial needs. Together, we formulate a strategy to help them achieve their most important goals and then deliver a vast array of resources to them in the way that is most appropriate for how they invest and what they want to achieve.

After graduating from Sewanee: The University of the South, Ross moved from Richmond, Virginia to Boca Raton to join the Harbor Financial Group. Ross is a graduate of the 2018 Leadership Boca program through the Boca Chamber of Commerce, and spends time volunteering with the United Way of Palm Beach County, Florence Fuller and mentoring students at the Milagro Center. He currently resides in Delray Beach, FL with his wife and dog, and enjoys endurance sports, traveling, and reading by a pool.

Direct:  (561) 393-2047
Cell:  (561) 220-7043
Ross.OConnor@morganstanley.com
Securities Agent: VA, TX, FL, WV, WI, WA, VT, VI, UT, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1408710

About Me

Gina is a native Floridian with a Bachelor’s Degree focused in finance from the University of Central Florida. Upon graduation, she spent a few years working at Lockheed Martin, serving as a budget and schedule planner on a multi-million-dollar engineering development contract for an agency of the U.S. Army. Since her relocation from Orlando back to South Florida, Gina has started her career as a financial advisor with Morgan Stanley. Gina’s enthusiastic approach to clients combines analyzing their current financial situation, assessing risk and assisting them with achieving their investment objectives.
In college, Gina assisted with Zeta Tau Alpha’s participation with Breast Cancer Awareness, the sorority’s charity. In Orlando, she volunteered on weekends organizing games for the Boys and Girls Club. Currently, she lives in Coral Springs close to her parents and sisters. She enjoys playing sports, her favorite is soccer, traveling and spending time with her family and friends.
Securities Agent: FL, WY, WV, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1778296

About Me

Monique Shide works with affluent investors by identifying their personal and financial goals, managing the risk in the portfolios, and developing a complete financial plan. She accomplishes that through systematic review and analysis. You can expect consistent communication from her with regular monitoring of the investments.
  A Florida native, she spent her younger years living in Illinois and Mississippi, and has lived in the South Florida area for the last 20 years. She currently resides in Boca Raton. She earned her undergraduate degree in International Finance and Marketing with a concentration in Spanish from the University of Miami and her Masters of Business Administration in International Business from Florida Atlantic University.
Before joining Morgan Stanley, Monique’s had 12+ years of corporate experience across several industries, with expertise in marketing, branding, and product development. She has considerable business acumen in P&L management, customer insights, and trends analysis.  
In her free time, Monique is actively involved in local philanthropy through the Junior League of Boca Raton, holding various leadership positions over the past 10 years. She loves to travel the globe; 39 countries and counting! She stays active at the gym and practices yoga, is overly competitive about college football, and spends time with her family who lives locally.
Securities Agent: TX, FL, WY, WV, WI, WA, VT, VA, UT, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1782926

About Me

Holly McNulty is an Assistant Vice President and Portfolio Management Associate with the Harbor Financial Group. She has been in Wealth Management since graduating from the Macaulay Honors College at Baruch College in 2007, and has been with Morgan Stanley for 7 years. Holly spent 4 of those in New York City before moving down to Florida in May of 2015. She has her Series 7, 66, and licenses, in addition to her Florida and New York Insurance licenses. Holly earned her Executive MBA degree at Florida Atlantic University in December 2017.

About Me

Nann Burch started her career in the securities industry in 1982 as an OTC Trader with a small retail firm in Buffalo, NY.  Nann came to Dean Witter Reynolds, West Palm Beach in 1985 as a Sales Assistant.  In 1989 she was promoted to Branch Manager Assistant where she held that position for 5 years before meeting Alan Levinsohn in 1994.  She currently holds a General Securities License (Series 7), has passed the Uniform Securities Agent State Law Examination (Series 63) and she is licensed as an Investment Adviser Representative(Series 65).  Getting back to nature, Nann raises heritage chickens, loves to garden (to feed those chickens) and landscape, enjoys designing clothing patterns, machine knitting, clay and metal sculpting, virtually anything that has to do with the hands.

About Me

Carol Avitto is a Portfolio Associate who has worked in the financial industry in Boca Raton, FL since 1978.  Her career with Morgan Stanley began in 2000.  She has a Series 7 and 63 licenses.  Carol has been married for 37 years and has 2 grown children.  Her passion is organic gardening, vegan cuisine, and her love of all animals.  Creatively, she enjoys designing jewelry with natural earth stones.

About Me

Courtney is a Client Service Associate with the Harbor Financial Group. She has been in Banking and Wealth Management since graduating from Florida Atlantic University in 2012. Courtney recently joined the Harbor Financial Group in November of 2015. She has been in Florida for almost 25 years after moving down from New Jersey as a young child. In her spare time Courtney enjoys playing tennis, going to the beach, and volunteering at the Boys and Girls Club of Boca Raton.

Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Investing in Artificial Intelligence and Automation

Investing in Artificial Intelligence and Automation

AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

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
From Clueless to Clued In: Teaching Teens About Money

From Clueless to Clued In: Teaching Teens About Money

As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
Facing Financial Stress? Your Employer May Be Able to Help

Facing Financial Stress? Your Employer May Be Able to Help

Many of us face money worries. You may be able to get advice and education from an unexpected source.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Choosing an Environmental Charity

Choosing an Environmental Charity

There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

Insights and Outcomes

Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Art as An Asset
CRC 2274738 01/19

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Ready to start a conversation? Contact The Harbor Financial Group today.
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Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

2Morgan 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.

3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

4Products 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.

5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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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

7Morgan 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.

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 suitable 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”) 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.


CRC 2019752 10/2018