Eric L Applewhite, CFP®, CPM®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(561) 393-2044(561) 393-2044
The Harbor Financial Group at Morgan Stanley
Eric L Applewhite, CFP®, CPM®Howard GuggenheimJulie Clairmont Shide, MBA®, CFP®Edward DienerDaniel J Guggenheim, CFP®Ryan J. Ward, CFP®, CPM®, CEPA®Kenneth FelicianoLarry E Wachtel, CRPS®, CLTC®Ross O'Connor, CFP®, CPWA®Barry Manko, CFP®, CLTC®Patricia C Corbett, CFP®Monique Oerth, MBA®, CFP®Timothy Grajko, CRPS®Stephanie Levin, QPFCJustin Cotroneo, CEPA®Jeffrey Guggenheim
Direct:
(561) 393-2013(561) 393-2013
Toll-Free:
(800) 327-0144(800) 327-0144
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
The Harbor Financial Group at Morgan Stanley is a multigenerational team providing financial planning and investment advice to successful business owners, executives, and families with substantial assets. We are committed to understanding every aspect of our clients’ lives so that we can leverage our team’s more than one hundred combined years of experience and our firm’s vast resources to provide best in class, custom solutions. Our services include creating long term financial plans, delivering unbiased investment strategies, providing guidance on critical financial decisions, and helping clients achieve their legacy goals. Ultimately, our objective is to put our clients in a financial position that allows them to live life the way they choose.
Not all advice is the same. Our team’s advice is backed by advanced technology, exceptional insight and institutional scale that can't be found just anywhere.
We offer wealth planning informed by sound advice, developing comprehensive solutions to help you meet your goals. We take the time to develop a deep understanding of your complete financial picture, using your unique objectives to construct an investment strategy that is appropriate and all-encompassing. We will be sure to communicate with you regularly throughout our relationship and make adjustments as your life and the financial markets change.
Not all advice is the same. Our team’s advice is backed by advanced technology, exceptional insight and institutional scale that can't be found just anywhere.
We offer wealth planning informed by sound advice, developing comprehensive solutions to help you meet your goals. We take the time to develop a deep understanding of your complete financial picture, using your unique objectives to construct an investment strategy that is appropriate and all-encompassing. We will be sure to communicate with you regularly throughout our relationship and make adjustments as your life and the financial markets change.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Managment Tools & Resources
If you are having trouble utilizing the modern wealth management tools at our disposal or just want to learn more about their capabilities, check these guides out.
We also have the new tax tables, the millennial's guide to money, a cybersecurity webinar series, and more. This page will stay up to date with the the latest news and instructional information. If you have more questions, please contact your Financial Advisor.
We also have the new tax tables, the millennial's guide to money, a cybersecurity webinar series, and more. This page will stay up to date with the the latest news and instructional information. If you have more questions, please contact your Financial Advisor.
HFG Webinar Series
A Virtual Client Meeting: "Overheated? Your Summer Market Re-Cap"
Invitation Details
Digital Capabilities
Did you recently make the move to Morgan Stanley or have wondered what we can do for you with our digital tools?
Morgan Stanley Online
Get on the road to success by signing up for MSO and learn how you can access all your cash management needs in one place.
Transfers
Move money between your accounts through MSO.
eAuthorizations
Did you know you can approve transactions online securely? Make life simpler by using this tool.
Digital Vault
Keep everything important to you in one safe and easily accessible spot in the Digital Vault through MSO.
Not all documents can be accepted into Digital Vault.
Not all documents can be accepted into Digital Vault.
2024 Tax Tables
This year's tax tables are out! Take a look and see if any of the changes might affect you in the coming tax season.
Millennial's Guide to Money
Young adults and their parents alike will find this useful guide to managing money early on. Avoid common pitfalls and set yourself (or your loved ones) up for success by clicking the link below.
Cybersecurity
Hackers lurk the internet looking for a way into your finances. Learn how Morgan Stanley is combating these threats and more in our webinar series.
A Woman's Guide to Life & Money
Women face a unique set of financial challenges that are not always easy to navigate. We understand the empowerment of education and guidance when it comes to the rough tides of life. If you are educated, you too can empower others to act in their best interests and become the best version of themselves.
This guide will aid you whether you need to buy a home, pay for college, work through a divorce, or maybe just give back to a great cause you care about.
This guide will aid you whether you need to buy a home, pay for college, work through a divorce, or maybe just give back to a great cause you care about.
Total Wealth View
By uploading your financial data from outside Morgan Stanley, we can help you see a more complete picture and assess risk like nobody else can. In conjunction with the Portfolio Risk Platform, your advisor can review your complete picture in one simple location.
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report.
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
The Portfolio Analysis report (“Report”) is generated by Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.
Any recommendations regarding external accounts/holdings are asset allocation only and do not include security recommendations.
IMPORTANT: The projections or other information provided in a Report regarding the likelihood of various investment outcomes (including any assumed rates of return and income) are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Hypothetical investment results have inherent limitations.
•There are frequently large differences between hypothetical and actual results.
•Hypothetical results do not represent actual results and are generally designed with the benefit of hindsight.
•They cannot account for all factors associated with risk, including the impact of financial risk in actual trading or the ability to withstand losses or to adhere to a particular trading strategy in the face of trading losses.
•There are numerous other factors related to the markets in general or to the implementation of any specific strategy that cannot be fully accounted for in the preparation of hypothetical risk results and all of which can adversely affect actual performance.
Morgan Stanley cannot give any assurances that any estimates, assumptions or other aspects of the risk analyses will prove correct. They are subject to actual known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from those shown in a Report.
2024 & 2025 Top 250 Private Wealth Management Teams
Morgan Stanley announced that The Harbor Financial Group was named to Barron's 2024 & 2025 Top 250 Private Wealth Management Teams list in the Firm's Boca Raton Wealth Management office.
Source: Barron's (Awarded May 2024 & May 2025). Data compiled by Barron's based on time period from Jan 2023-Dec 2024. https://mgstn.ly/3WD0yje
Source: Barron's (Awarded May 2024 & May 2025). Data compiled by Barron's based on time period from Jan 2023-Dec 2024. https://mgstn.ly/3WD0yje
Forbes Best-In-State Wealth Management Teams 2023 - 2025
Morgan Stanley announced that The Harbor Financial Group was named to Forbes Best-In-State Wealth Management Team list in the Firm's Boca Raton Wealth Management office, has been named to Forbes Best-In-State Wealth Management Teams list.
2023 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron’s Top 100 Private Wealth Management Teams 2023
Morgan Stanley announced that The Harbor Financial Group in the Firm's Boca Raton Wealth Management office, has been named to Barron’s Top 100 Private Wealth Management Teams for 2023.
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Best-in-State Wealth Advisors 2018-2024
Eric L. Applewhite, III, an Managing Director, Senior Portfolio Management Director, Financial Advisor in the Firm’s Boca Raton Wealth Management office, has been named to Forbes Magazine’s 2018 - 2025 list of America’s Best-in-State Wealth Advisors.
2018, 2019, 2020, 2021, 2022, 2023, 2024,2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021,2022,2023, 2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018, 2019, 2020, 2021, 2022, 2023, 2024,2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021,2022,2023, 2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors 2022-2025
Morgan Stanley announced that Eric L. Applewhite, III, a Managing Director, Senior Portfolio Management Director, and Financial Advisor in the Firm’s Boca Raton Wealth Management office, has been named to Barron's 2022 - 2025 Top 1,200 Financial Advisor list.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022,2023,2024,2025) Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022,2023,2024,2025) Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes America's Top Woman Wealth Advisors Best-In-State 2022-2025
Morgan Stanley announced that Julie Clairmont Shide, CFP,® Portfolio Management Director, Senior Vice President, and Financial Advisor in the Firm’s Boca Raton Wealth Management office, has been named to Forbes Magazine’s 2022,2023,2024,2025 list of America’s Best-in-State Woman Advisors.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022,2023,2024,2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022,2023,2024,2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors Best-in-State 2022-2025
Morgan Stanley announced that Ross O'Connor, CFP®, a Senior Vice President and Financial Advisor in the Firm’s Boca Raton Wealth Management office, has been named to Forbes 2022-2025 Top Next-Gen Wealth Advisors Best-in-State list
2022-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded2022-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2022-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded2022-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes America's Top Wealth Advisors Best-In-State 2025
Morgan Stanley announced that Julie Clairmont Shide, CFP,® Portfolio Management Director, Senior Vice President, and Financial Advisor in the Firm’s Boca Raton Wealth Management office, has been named to Forbes Magazine’s 2025 list of America’s Best-in-State Wealth Advisors.
Forbes Top Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Top Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
At The Harbor Financial Group, we take pride in our commitment to excellence and our dedication to providing exceptional services. Our team and individual members have been honored with prestigious awards and hold industry-leading certifications, showcasing our professional focus and continued pursuit of excellence in wealth management.
Certified Financial Planner (CFP®)
The Certified Financial Planning (CFP®) program demonstrates an advisor's dedication to personal financial planning and their skilled focus in this field. As part of their certification, all CFP® professionals commit to CFP Board's Code of Ethics and Standards of Conduct, which means they commit to work in their clients' best interests at all times when providing financial advice.
Cerfified Portfolio Manager (CPM®)
The Certified Portfolio Manager (CPM®) designation is a collaboration of the Academy of Certified Portfolio Managers and NYU Stern. The academic component is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals managing discretionary portfolios.
Certified Private Wealth Advisor® (CPWA®)
An advanced credential created specifically for wealth managers who work with high-net-worth individuals, focusing on the life cycle of wealth: accumulation, preservation, and distribution. Candidates who earn the certification understand how to develop specific strategies designed to help minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.
Certification in Long-Term Care (CLTC®)
A professional with a CLTC designation has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client's family – financially, physically and emotionally – years down the road. The best way to protect families from the potential devastation of long-term care is not to sell a product, but rather, offer advice that leads to a plan to mitigate those consequences.
Chartered Retirement Plans Specialist (CRPS®)
Chartered Retirement Plans Specialist (CRPS) is a credential for those who create, implement and maintain retirement plans for businesses. Unlike most other professional financial planning and advisory professional designations, the CRPS focuses on wholesale and business clients.
Certified Exit Planning Advisor (CEPA®)
This CEPA® is a unique credential that allows professional advisors to deeply engage with business owners and help them plan every aspect of their personal finances.
Master of Business Administration (MBA)
A master of business administration (MBA) is a graduate degree that provides theoretical and practical training for business or investment management.
The Harbor Financial Group Supports The Below Organizations:
The Junior League of Boca Raton * Boys & Girls Club of Palm Beach County * Diaper Bank, Covering South Florida * Viner Scholars * Peter Blum Family YMCA * Tri-County Humane Society * Ann Storck Center * Honor Flight * White Coats 4 Care * Boca Raton Regional Hospital * Festival of the Arts BOCA * Rotary Club Downtown Boca * Boca Helping Hands * Impact 100 Palm Beach County* Temple Beth El of Boca Raton * Gumbo Limbo Nature Center * CHOW: Children’s Health on the Weekend * Dwight Stephenson Foundation * George Snow Scholarship Fund * Fuller Center * Would Warriors Abilities Ranch * United States Marine Corps Scout Sniper Association * Recon Sniper Foundation * Spirit of Giving * Impact 100 Men Palm Beach County * Samaritan’s Purse * Multiple Myeloma Research Foundation * Boca Raton Museum of Art * University of North Dakota * 211 * Best Friends Animal Society * Peggy Spiegler Melanoma Foundations * NARSAD * American Red Cross * Semper Fi Americas Fund * Jewish Federation of South Palm Beach County * Jacobson Jewish Community Foundation * Portfolio Management Institute * Greater Boca Raton Estate Planning Council * Boca Raton Chamber of Commerce * South Palm Beach County Bar Association* Florida Atlantic University* Adolph & Rose Levis Jewish Community Center* Cleveland Clinic Foundation*
Location
595 So Federal Hwy
Ste 400
Boca Raton, FL 33432
US
Direct:
(561) 393-2013(561) 393-2013
Toll-Free:
(800) 327-0144(800) 327-0144
Meet The Harbor Financial Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(561) 393-2035(561) 393-2035
Julie Clairmont Shide, MBA®, CFP®
Senior Vice President, Wealth Advisor, Senior Portfolio Management Director
Phone:
(561) 393-2088(561) 393-2088
Phone:
(561) 393-2021(561) 393-2021
Phone:
(561) 237-2414(561) 237-2414
Ryan J. Ward, CFP®, CPM®, CEPA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(561) 393-1522(561) 393-1522
Ross O'Connor, CFP®, CPWA®
Senior Vice President, Financial Advisor, Family Wealth Director
Phone:
(561) 393-2047(561) 393-2047
Larry E Wachtel, CRPS®, CLTC®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(561) 393-2091(561) 393-2091
Kenneth Feliciano
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(561) 394-8677(561) 394-8677
Barry Manko, CFP®, CLTC®
First Vice President, Financial Advisor
Phone:
(561) 393-1590(561) 393-1590
Patricia C Corbett, CFP®
First Vice President, Financial Advisor
Phone:
(561) 393-1535(561) 393-1535
Monique Oerth, MBA®, CFP®
Vice President, Wealth Management, Financial Advisor
Phone:
(561) 393-2054(561) 393-2054
William C French
Vice President, Wealth Management, Financial Advisor
Phone:
(561) 393-2023(561) 393-2023
Timothy Grajko, CRPS®
Vice President, Wealth Management, Financial Advisor, Chartered Retirement Plans Specialist, Senior Portfolio Manager
Phone:
(561) 393-2013(561) 393-2013
Phone:
(561) 393-2055(561) 393-2055
Stephanie Levin, QPFC
First Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director, Portfolio Manager
Phone:
(561) 393-2076(561) 393-2076
Jeffrey Guggenheim
Financial Advisor
Phone:
(561) 393-1517(561) 393-1517
Holly McNulty, CFP®, MBA
First Vice President, Portfolio Management Associate Director, Financial Planning Specialist
Phone:
(561) 393-1534(561) 393-1534
Courtney J. Dadas
Client Service Associate
Phone:
(561) 393-2062(561) 393-2062
Nicholas C. Russo
Wealth Management Associate
Phone:
(561) 393-2031(561) 393-2031
Denise Prado
Assistant Vice President, Wealth Management Associate, Financial Planning Associate
Phone:
(561) 393-2060(561) 393-2060
Elsie Metzl
Senior Registered Client Associate
Phone:
(561) 237-2402(561) 237-2402
Cara Puccio
Registered Client Service Associate
Phone:
(561) 393-1507(561) 393-1507
Nann Burch
Portfolio Associate
Phone:
(561) 393-2049(561) 393-2049
Juan Carlos Carballo
Vice President, Wealth Management Associate
Phone:
(561) 394-8657(561) 394-8657
Christine Pulver
Portfolio Associate
Phone:
(561) 393-2043(561) 393-2043
Mark Sutain, CRPS®
Registered Client Service Associate, Financial Planning Specialist
Phone:
(561) 394-8579(561) 394-8579
Cosi Toms
Registered Client Service Associate
Phone:
(561) 393-2014(561) 393-2014
About Eric L Applewhite
Eric L. Applewhite III, Managing Director, Wealth Management Senior Portfolio Management Director, Financial Advisor of the Harbor Financial Group at Morgan Stanley has three priorities to best serve his clients: educate, develop and implement. He wants to educate clients about the importance of risk management and develop a disciplined plan of investing through implementing tactical asset allocation. He sets out to accomplish this by using technical and fundamental analysis. Eric manages five portfolio strategies emphasizing relative strength and discipline. He utilizes exchange traded funds, closed-end funds, individual equities, and bonds.
The strategies include: (1) the Tactical Income strategy, which seeks income using ETF’s, CEF’s and dividend yielding stock, (2) the Tactical Growth strategy, which seeks growth using tactical allocation emphasizing sector based ETF’s and using six asset classes; domestic equity, international equity, commodity, currency, fixed income or cash, (3) the Dividend Growth strategy, which seeks companies that are fundamentally strong and have a history of increasing dividend payouts, (4) the Focus Growth strategy, which seeks to maximize appreciation using fundamental screens and share price momentum, and (5) the Alternatives strategy. which emphasizes publicly traded, private equities, private credit, MLP’s, commodities, ETF’s and other investment ideas. All strategies employ a similar relative strength discipline, but the client’s investment objective and risk tolerance determines the blend of strategies we use.
Eric joined Morgan Stanley over thirty years ago and has over thirty-seven years of experience in the financial services industry. He conducts a weekly educational forum and conference calls for Morgan Stanley financial advisors to review the tactical and strategic use of technical and quantitative analysis.
He is a Certified Portfolio Manager and member of the Institute of Portfolio Managers, as well as an affiliate of the Market Technicians Association. He leads a twenty-five-member team in Boca Raton, Florida which as of June 1, 2023, has over $2 billion in discretionary assets under management and collaborates with advisors throughout the firm Eric resides in Boca Raton with his wife, Laurie, and their four grown children.
The strategies include: (1) the Tactical Income strategy, which seeks income using ETF’s, CEF’s and dividend yielding stock, (2) the Tactical Growth strategy, which seeks growth using tactical allocation emphasizing sector based ETF’s and using six asset classes; domestic equity, international equity, commodity, currency, fixed income or cash, (3) the Dividend Growth strategy, which seeks companies that are fundamentally strong and have a history of increasing dividend payouts, (4) the Focus Growth strategy, which seeks to maximize appreciation using fundamental screens and share price momentum, and (5) the Alternatives strategy. which emphasizes publicly traded, private equities, private credit, MLP’s, commodities, ETF’s and other investment ideas. All strategies employ a similar relative strength discipline, but the client’s investment objective and risk tolerance determines the blend of strategies we use.
Eric joined Morgan Stanley over thirty years ago and has over thirty-seven years of experience in the financial services industry. He conducts a weekly educational forum and conference calls for Morgan Stanley financial advisors to review the tactical and strategic use of technical and quantitative analysis.
He is a Certified Portfolio Manager and member of the Institute of Portfolio Managers, as well as an affiliate of the Market Technicians Association. He leads a twenty-five-member team in Boca Raton, Florida which as of June 1, 2023, has over $2 billion in discretionary assets under management and collaborates with advisors throughout the firm Eric resides in Boca Raton with his wife, Laurie, and their four grown children.
Securities Agent: PR, OH, MI, TN, NY, KY, KS, OR, LA, DC, NC, ID, FL, AZ, UT, SD, MO, MA, CA, VT, VI, NM, NH, NE, HI, GA, CT, WI, TX, VA, NJ, MT, MS, IN, WV, SC, OK, MN, MD, IL, DE, CO, AR, WY, PA, ND, ME, IA, AL, WA, RI, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1279508
NMLS#: 1279508
About Howard Guggenheim
Howard Guggenheim serves as Senior Portfolio Management Director, Senior Vice President, and Financial Advisor of The Harbor Financial Group at Morgan Stanley.
He began his career in 1954 in the operations department at Joseph, Mellen, and Miller Inc. in Cleveland, Ohio while attending Cape 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, resulting in a significant increase in assets under management.
Over the years, Howard has served in various leadership positions for numerous industry groups in both Ohio and Florida. Howard was
a member of the Cleveland Securities Traders Association. He served as Chairman for the Florida Securities Dealers Association, the National Association of Securities Dealers Business Conduct Committee, and Securities Industry Association, Southern District. He also headed up the Stock Market Games, which is the Foundation for Investor Education’s program that simulates real-world investing for school children.
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 aged, and was Chairman of the Admissions Committee and its Foundation. He also served on the boards of the Jewish Vocational Services and the American Jewish Committee. In Boca Raton, Howard has been involved with The Rotary Club of Downtown Boca Raton, he 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.
Howard resides in Boca Raton and enjoys spending time with his three children and five grandchildren.
He began his career in 1954 in the operations department at Joseph, Mellen, and Miller Inc. in Cleveland, Ohio while attending Cape 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, resulting in a significant increase in assets under management.
Over the years, Howard has served in various leadership positions for numerous industry groups in both Ohio and Florida. Howard was
a member of the Cleveland Securities Traders Association. He served as Chairman for the Florida Securities Dealers Association, the National Association of Securities Dealers Business Conduct Committee, and Securities Industry Association, Southern District. He also headed up the Stock Market Games, which is the Foundation for Investor Education’s program that simulates real-world investing for school children.
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 aged, and was Chairman of the Admissions Committee and its Foundation. He also served on the boards of the Jewish Vocational Services and the American Jewish Committee. In Boca Raton, Howard has been involved with The Rotary Club of Downtown Boca Raton, he 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.
Howard resides in Boca Raton and enjoys spending time with his three children and five grandchildren.
Securities Agent: WV, CO, WA, ME, LA, KS, HI, PA, MS, GA, FL, VT, MN, MI, MA, KY, AR, VI, TN, SC, OR, NM, CT, AZ, VA, RI, PR, OH, NV, NE, NC, DC, WI, MO, MD, IL, AK, WY, IA, AL, NY, NH, ND, MT, ID, DE, CA, TX, SD, IN, OK, UT, NJ; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1262332
NMLS#: 1262332
About Julie Clairmont Shide, MBA®
Julie Clairmont-Shide has more than 37 years of experience in the financial services industry. She is a CERTIFIED FINANCIAL PLANNER and is a Senior Vice President and Wealth Advisor at The Harbor Financial Group at Morgan Stanley. As well, she is a Senior Portfolio Management Director within the firm’s Portfolio Management Program. She received her Bachelors of Science and Masters degree in Business Administration (MBA) followed by studies at the Centre International D‘Etudes Francaises at Catholic University of the West in Angers, France.
Early in her career, she worked as a land developer with her family in Bismarck, North Dakota and completed the five Certified Commercial Investment Member courses through the CCIM Institute. Julie received her Certificate of Graduate Studies from the American Graduate School of International Management in Arizona. She has deep experience and extensive training in the areas of financial and estate planning strategies. Julie serves as a Trustee at the Boca Raton Museum of Art since 1999.
In her free time, Julie enjoys spending time with her husband Charles, their three children and one grandchild.
Early in her career, she worked as a land developer with her family in Bismarck, North Dakota and completed the five Certified Commercial Investment Member courses through the CCIM Institute. Julie received her Certificate of Graduate Studies from the American Graduate School of International Management in Arizona. She has deep experience and extensive training in the areas of financial and estate planning strategies. Julie serves as a Trustee at the Boca Raton Museum of Art since 1999.
In her free time, Julie enjoys spending time with her husband Charles, their three children and one grandchild.
Securities Agent: AL, DC, MO, MN, IL, WI, RI, NJ, CO, OR, OH, ND, MD, IN, DE, TN, PA, NM, ME, ID, UT, NY, NV, AZ, MI, KS, FL, WA, VI, VA, NE, LA, KY, CT, WV, OK, NH, NC, MT, HI, GA, AR, WY, VT, SD, SC, MS, IA, CA, TX, PR, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278643
NMLS#: 1278643
About Edward L Diener
Edward L. Diener is a Managing Director, Financial Advisor, and partner within The Harbor Financial Group at Morgan Stanley. Ed is a seasoned leader with over 40 years of experience in the financial industry, and well versed in investment strategy, risk management, and portfolio optimization.
Ed's client-centric approach focuses on creating and implementing personalized plans tailored to each client's unique financial goals, focused on long-term growth, security, and diversification of assets.
He holds an MBA and a bachelor’s degree in finance from the University of Miami and is committed to ongoing professional development. He joined Smith Barney (Morgan Stanley’s predecessor firm) in 1981.
Ed strongly believes in giving back to his community and actively supports and volunteers with local non-profit organizations such as Spirit of Giving Network, Boca Raton Regional Hospital Foundation, FAU/Louis and Anne Green Memory & Wellness Center, and others.
Ed resides in Boca Raton with his wife Susan for over 30 years. Together they have 2 grown sons. He enjoys skiing, hiking, golfing, and adventure travelling with family & friends.
Ed's client-centric approach focuses on creating and implementing personalized plans tailored to each client's unique financial goals, focused on long-term growth, security, and diversification of assets.
He holds an MBA and a bachelor’s degree in finance from the University of Miami and is committed to ongoing professional development. He joined Smith Barney (Morgan Stanley’s predecessor firm) in 1981.
Ed strongly believes in giving back to his community and actively supports and volunteers with local non-profit organizations such as Spirit of Giving Network, Boca Raton Regional Hospital Foundation, FAU/Louis and Anne Green Memory & Wellness Center, and others.
Ed resides in Boca Raton with his wife Susan for over 30 years. Together they have 2 grown sons. He enjoys skiing, hiking, golfing, and adventure travelling with family & friends.
Securities Agent: AL, WI, NJ, MO, MD, MA, LA, HI, GA, WY, OR, NE, KY, IA, DC, VA, OH, IN, CT, PA, NY, ME, KS, CO, AZ, WA, TN, PR, NC, AR, WV, RI, ND, MT, ID, DE, VT, TX, SD, OK, NM, MN, UT, MS, MI, FL, CA, VI, SC, NV, NH, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1274677
CA Insurance License #: 0N11172
AR Insurance License #: 379716
NMLS#: 1274677
CA Insurance License #: 0N11172
AR Insurance License #: 379716
About Daniel J Guggenheim
Daniel Guggenheim, CFP® brings over 35 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 retired and those who are interested in multigenerational planning.
Daniel began his career 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 is currently the Advisory Board Chairman of the Boys & Girls Club of Boca Raton and volunteers as a mentor with the Eda and Cliff Viner Community Scholars Foundation. Daniel resides in Boca Raton, Florida and enjoys activities including cycling, camping, fishing, and spending time with his two children.
Daniel began his career 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 is currently the Advisory Board Chairman of the Boys & Girls Club of Boca Raton and volunteers as a mentor with the Eda and Cliff Viner Community Scholars Foundation. Daniel resides in Boca Raton, Florida and enjoys activities including cycling, camping, fishing, and spending time with his two children.
Securities Agent: MN, ID, VT, ME, FL, OH, IL, DE, DC, AR, AK, UT, MI, RI, OK, ND, WI, NY, NH, CA, AZ, SD, OR, NJ, MA, IN, IA, HI, WV, WA, VA, PA, NM, KY, CO, AL, VI, TX, PR, LA, KS, CT, TN, NC, MS, MO, GA, WY, SC, NV, NE, MT, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1463090
NMLS#: 1463090
About Ryan J. Ward
Ryan Ward, CFP®, Senior Vice President is a Financial Advisor, Senior Portfolio Management Director and partner within The Harbor Financial Group. Ryan holds the Morgan Stanley Senior Portfolio Manager designation and manages proprietary investment strategies for the group. He also manages the team’s covered-call equity portfolio which is utilized by The Harbor Financial Group and other Morgan Stanley advisors and teams around the country.
Ryan has a special interest in working with investors that come into money from business sales, inheritances, divorces, retirement and other large liquidity events. Ryan enjoys educating and empowering his clients with the knowledge they need to be successful, confident investors. He strongly believes in the importance of trust and taking the time to build a solid foundation with clients to lead to continued success in the future.
Ryan is a sixth generation Floridian and currently lives in Boca Raton with his wife and two young children. He graduated Cum Laude from the University of Florida Undergraduate Honors Program with a Bachelor of Science in Business Administration. Ryan is also a member of MENSA® International, the High I.Q. Society. He enjoys traveling with his family, golf, tennis, fitness classes, and memorable dining experiences. Ryan has completed his Level 1 Sommelier training and has enjoyed visiting different wine producing regions around the world with his wife. Ryan is an active supporter of Honor Flight which provides veterans with all-expense paid trips to Washington DC to visit their memorials and be publicly honored for their service. Additionally, he supports The American Society for the Prevention of Cruelty to Animals® and various Alzheimer’s, cancers, and children’s charities.
Ryan has a special interest in working with investors that come into money from business sales, inheritances, divorces, retirement and other large liquidity events. Ryan enjoys educating and empowering his clients with the knowledge they need to be successful, confident investors. He strongly believes in the importance of trust and taking the time to build a solid foundation with clients to lead to continued success in the future.
Ryan is a sixth generation Floridian and currently lives in Boca Raton with his wife and two young children. He graduated Cum Laude from the University of Florida Undergraduate Honors Program with a Bachelor of Science in Business Administration. Ryan is also a member of MENSA® International, the High I.Q. Society. He enjoys traveling with his family, golf, tennis, fitness classes, and memorable dining experiences. Ryan has completed his Level 1 Sommelier training and has enjoyed visiting different wine producing regions around the world with his wife. Ryan is an active supporter of Honor Flight which provides veterans with all-expense paid trips to Washington DC to visit their memorials and be publicly honored for their service. Additionally, he supports The American Society for the Prevention of Cruelty to Animals® and various Alzheimer’s, cancers, and children’s charities.
Securities Agent: SD, CO, WA, VI, TX, PR, PA, NE, LA, GA, WY, WI, ND, NC, MD, HI, DC, CT, SC, NM, MS, MI, IL, WV, UT, RI, NV, NH, VT, VA, OK, NY, MN, KS, AR, OR, MO, ID, IA, DE, NJ, KY, FL, MT, MA, CA, AL, TN, OH, ME, AZ, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274519
NMLS#: 1274519
About Ross O'Connor
Ross O’Connor is a Family Wealth Director and Financial Advisor with Morgan Stanley. After graduating from Sewanee: The University of the South, Ross joined the Harbor Financial Group at Morgan Stanley where he has been named one of Forbes Top Next-Gen Best-in-State Wealth Advisors annually since 2022, recognizing a select group of professionals who represent the future of the industry.
As both a Certified Private Wealth Advisor® and Certified Financial Planner®, he blends a passion for teaching prudent financial planning strategies with coordinating the overall governance of financial assets for clients. Ross works closely with attorneys, accountants, and other professionals that are integral to our clients’ long-term planning. As a Workplace Advisor - Equity Compensation, he helps business owners and their companies scale and align equity compensation strategies. Ross is a Vice President of the Estate Planning Council of Boca Raton, a member of the Board of Directors of the Fuller Center, and sits on the board at the Boca Raton Chamber of Commerce – where he was a graduate of the Leadership Class of 2018.
Ross’s passion for volunteering focuses on furthering educational pursuits for students in his area. He served as Vice Chair of the Delray Beach Education Board, mentored elementary school students at the Milagro Center, and assisted student entrepreneurs bring their companies to life through the YEA! Program. He has competed as a ballroom dancer to raise funds for the George Snow Scholarship Fund’s Ballroom Battle, and learned to play the keyboard to compete in the Golden Bell Education Fund’s Battle of the Bands.
Ross lives in Boca Raton with his wife, Margaret, and their two children. He loves to compete, and can usually be found outside riding, running, or swimming while training for marathons or triathlons.
2022-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
As both a Certified Private Wealth Advisor® and Certified Financial Planner®, he blends a passion for teaching prudent financial planning strategies with coordinating the overall governance of financial assets for clients. Ross works closely with attorneys, accountants, and other professionals that are integral to our clients’ long-term planning. As a Workplace Advisor - Equity Compensation, he helps business owners and their companies scale and align equity compensation strategies. Ross is a Vice President of the Estate Planning Council of Boca Raton, a member of the Board of Directors of the Fuller Center, and sits on the board at the Boca Raton Chamber of Commerce – where he was a graduate of the Leadership Class of 2018.
Ross’s passion for volunteering focuses on furthering educational pursuits for students in his area. He served as Vice Chair of the Delray Beach Education Board, mentored elementary school students at the Milagro Center, and assisted student entrepreneurs bring their companies to life through the YEA! Program. He has competed as a ballroom dancer to raise funds for the George Snow Scholarship Fund’s Ballroom Battle, and learned to play the keyboard to compete in the Golden Bell Education Fund’s Battle of the Bands.
Ross lives in Boca Raton with his wife, Margaret, and their two children. He loves to compete, and can usually be found outside riding, running, or swimming while training for marathons or triathlons.
2022-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: HI, GA, WY, IL, DE, CO, MI, WI, VA, UT, SC, NE, MN, LA, PA, OR, NY, NC, ME, MA, KY, DC, AL, WV, OK, MS, IN, AR, TX, MD, IA, VI, TN, RI, PR, OH, NM, NH, CA, WA, SD, KS, NV, NJ, ND, ID, FL, CT, AZ, MT, VT, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1408710
NMLS#: 1408710
About Larry E Wachtel
Larry Wachtel, CRPS®, CLTC®, Senior Vice President is a Financial Advisor and a partner within The Harbor Financial Group. He focuses on a holistic financial planning approach when advising high net worth, ultra high net worth and affluent business executives as they look to manage their wealth and for the financial futures of their families.
Over the years, Larry has built a commanding knowledge of the municipal and agency bond markets, structured products and insurance offerings to include long term care. He also has a strong background in institutional retirement plan structure and design which served as the foundation of his financial service career. Larry is a Chartered Retirement Plans Specialist – CRPS® and holds the CLTC® Certified Long Term Care designation. Larry has his Life, Health and Variable Annuity license as well as being a Series 7,Series 24, Series 31, Series 63, Series 65 licensed professional. Larry also holds Morgan Stanley’s internal Workplace Advisor - Equity Compensation designation and is a Morgan Stanley Insurance Planning Director. He has been in the financial service industry since 1987.
Born and raised in Palm Beach County, Larry is active in the Boca Raton community where he has been involved in several programs through the Levis JCC. Having raised his young family in the area as well, Larry has been active in coaching multiple sports throughout the years. In keeping with his upbringing in South Florida, Larry enjoys playing tennis and golf and has been known to take an occasional fishing trip.
Over the years, Larry has built a commanding knowledge of the municipal and agency bond markets, structured products and insurance offerings to include long term care. He also has a strong background in institutional retirement plan structure and design which served as the foundation of his financial service career. Larry is a Chartered Retirement Plans Specialist – CRPS® and holds the CLTC® Certified Long Term Care designation. Larry has his Life, Health and Variable Annuity license as well as being a Series 7,Series 24, Series 31, Series 63, Series 65 licensed professional. Larry also holds Morgan Stanley’s internal Workplace Advisor - Equity Compensation designation and is a Morgan Stanley Insurance Planning Director. He has been in the financial service industry since 1987.
Born and raised in Palm Beach County, Larry is active in the Boca Raton community where he has been involved in several programs through the Levis JCC. Having raised his young family in the area as well, Larry has been active in coaching multiple sports throughout the years. In keeping with his upbringing in South Florida, Larry enjoys playing tennis and golf and has been known to take an occasional fishing trip.
Securities Agent: MI, WY, WA, OH, NV, NJ, KY, IN, VA, PR, OR, MO, MA, UT, NH, LA, DE, DC, CO, AZ, AL, SD, NY, MD, AR, TX, NC, ID, FL, WV, SC, RI, OK, IL, VT, PA, MS, VI, NM, NE, HI, CT, ND, MN, ME, IA, WI, TN, MT, KS, GA, CA; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270066
NMLS#: 1270066
About Kenneth Feliciano
Kenneth Feliciano is a Senior Vice President, Financial Advisor with the Harbor Financial Group at Morgan Stanley. In 2023, Ken completed his 28th year in the financial services industry. During those years, Ken has developed a great enthusiasm for helping high-net-worth families build, grow, and preserve financial wealth through advanced planning, portfolio management and generational wealth advisory.
His multi-generational financial planning includes developing and implementing broad investment strategies that are customized to reflect each client’s unique needs. Through the financial planning process, he can help access financial complexities and develop strategies that are designed to help you achieve your goals and strengthen your financial success. He strives to cultivate deep long-lasting relationships by providing his client's exceptional service. His ultimate goal is to make a difference in people’s lives.
Ken served as a member of the firm’s Southeast Regional Financial Advisor Council where he worked closely with senior management to discuss the most important issues affecting the financial services industry.
Ken resides in Boca Raton with his wife, Gwenn, and three NautiDoodles (Skipper, Finn and Maui). They have two adult sons, Kenny and Jordan. In his free time, Ken enjoys boating, fishing, and cheering on the Miami Dolphins.
His multi-generational financial planning includes developing and implementing broad investment strategies that are customized to reflect each client’s unique needs. Through the financial planning process, he can help access financial complexities and develop strategies that are designed to help you achieve your goals and strengthen your financial success. He strives to cultivate deep long-lasting relationships by providing his client's exceptional service. His ultimate goal is to make a difference in people’s lives.
Ken served as a member of the firm’s Southeast Regional Financial Advisor Council where he worked closely with senior management to discuss the most important issues affecting the financial services industry.
Ken resides in Boca Raton with his wife, Gwenn, and three NautiDoodles (Skipper, Finn and Maui). They have two adult sons, Kenny and Jordan. In his free time, Ken enjoys boating, fishing, and cheering on the Miami Dolphins.
Securities Agent: NE, MA, TN, SD, ND, MS, HI, FL, AZ, AL, OK, MO, DE, VT, PA, NV, KY, IL, RI, NH, KS, IN, IA, UT, TX, SC, OH, MT, AR, VA, ME, LA, DC, WA, VI, MN, GA, PR, OR, NJ, MI, WY, WI, NC, ID, CT, CO, CA, AK, WV, NY, NM, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1390874
CA Insurance License #: 0I83131
NMLS#: 1390874
CA Insurance License #: 0I83131
About Barry Manko
Barry Manko, CFP®, CLTC®, First Vice President is a Financial Advisor and partner of The Harbor Financial Group. Barry is a Certified Financial Planner™, a Certified Divorce Financial Analyst®, and holds the CLTC® Certified in Long Term Care designation. He has his Life and Variable Annuity licenses as well as the Series 7 , Series 63 and Series 65. Furthermore, Barry holds Morgan Stanley’s internal Equity Plan Specialist designation.
As a Certified Financial Planner™ he focuses on a holistic financial planning approach advising high and ultra high net worth clients looking to manage their wealth and financial futures of their families. Additionally, as a Certified Divorce Financial Analyst®, Barry has firsthand knowledge of the divorce process. He is able to assist his clients while they navigate the emotional and financial implications of the dissolution of marriage.
Originally from Long Island, New York, Barry relocated to South Florida in early 2000. He graduated from Lynn University in Boca Raton with a Bachelor of Science. Barry has three children attending school in Broward County and enjoys traveling, horology and spending time with his fiancé and children in his free time.
As a Certified Financial Planner™ he focuses on a holistic financial planning approach advising high and ultra high net worth clients looking to manage their wealth and financial futures of their families. Additionally, as a Certified Divorce Financial Analyst®, Barry has firsthand knowledge of the divorce process. He is able to assist his clients while they navigate the emotional and financial implications of the dissolution of marriage.
Originally from Long Island, New York, Barry relocated to South Florida in early 2000. He graduated from Lynn University in Boca Raton with a Bachelor of Science. Barry has three children attending school in Broward County and enjoys traveling, horology and spending time with his fiancé and children in his free time.
Securities Agent: IN, VA, MO, MI, HI, GA, CT, WI, TX, RI, PA, OH, NY, MS, KS, PR, ND, VI, MT, MN, IA, DC, CO, AZ, OR, NC, MD, MA, DE, AR, AK, SD, NH, CA, AL, WV, WA, ID, SC, ME, KY, UT, TN, NV, NE, IL, FL, OK, WY, VT, NM, NJ, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278606
NMLS#: 1278606
About Patricia C Corbett
Patty is a partner with the Harbor Financial Group. She is a Vice President and Financial Advisor who brings over 30 years of financial services experience to the team. Patty is a CERTIFIED FINANCIAL PLANNER™ and has extensive knowledge on income, estate, tax, and business planning strategies. Throughout her career, Patty has served a wide array of clientele. She particularly enjoys multi-generational family wealth planning, investing with experienced individual investors, and collaborating with business owners on all financial aspects of their business.
Graduating from Florida State University with a degree in Biology, she worked with the Florida Department of Environmental Regulation, IBM, and then became a partner in an outdoor advertising company that was eventually sold. Patty has an MBA from Florida Atlantic University. This broad array of experience gives her a deep insight into her client’s varied backgrounds.
When she’s not serving her clients, Patty enjoys spending time with her family and friends. She likes to travel. Raising her three sons in Boca Raton, she has deep roots in the community. Patty also has a love for culinary pursuits and cultivating plants, particularly her large orchid collection. Patty currently resides in eastern Palm Beach County with her wonderful animals.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6294683
Graduating from Florida State University with a degree in Biology, she worked with the Florida Department of Environmental Regulation, IBM, and then became a partner in an outdoor advertising company that was eventually sold. Patty has an MBA from Florida Atlantic University. This broad array of experience gives her a deep insight into her client’s varied backgrounds.
When she’s not serving her clients, Patty enjoys spending time with her family and friends. She likes to travel. Raising her three sons in Boca Raton, she has deep roots in the community. Patty also has a love for culinary pursuits and cultivating plants, particularly her large orchid collection. Patty currently resides in eastern Palm Beach County with her wonderful animals.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6294683
Securities Agent: OR, AL, WA, NE, CO, AZ, RI, OH, MA, IA, SD, PA, NM, MD, UT, OK, MT, HI, GA, CT, WY, VA, SC, MS, VT, IL, DE, AR, WV, NY, NH, MI, KS, CA, WI, ND, MO, LA, IN, FL, DC, PR, NV, MN, ME, KY, VI, TX, TN, NJ, NC, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278729
NMLS#: 1278729
About Monique Oerth, MBA®
Monique Oerth works with affluent investors by identifying their personal and financial goals, developing a complete financial plan, and managing the risk in the portfolios. She accomplishes this through systematic review and analysis. Through working with Monique, 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 25 years. She currently resides in Boca Raton with her husband, son, and rescue dog. 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 the Harbor Financial Group in 2018, Monique 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 various local charities & organizations, holding various leadership positions over the past 14 years. She loves to travel the globe; 40 countries and counting! She enjoys staying active at the gym and is known to be overly competitive about football. In her free time, Monique enjoys spending time with her family.
A Florida native, she spent her younger years living in Illinois and Mississippi and has lived in the South Florida area for the last 25 years. She currently resides in Boca Raton with her husband, son, and rescue dog. 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 the Harbor Financial Group in 2018, Monique 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 various local charities & organizations, holding various leadership positions over the past 14 years. She loves to travel the globe; 40 countries and counting! She enjoys staying active at the gym and is known to be overly competitive about football. In her free time, Monique enjoys spending time with her family.
Securities Agent: MT, MO, NH, AZ, ND, TX, PA, DE, NY, WA, OH, OK, MD, MA, SD, TN, UT, RI, WY, MI, PR, MS, AK, NC, NE, MN, AR, LA, CT, DC, FL, GA, CA, IA, WV, WI, VT, VA, SC, OR, NV, NM, NJ, ME, KY, KS, IN, IL, ID, HI, CO, AL, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 1782926
NMLS#: 1782926
About William C French
Bill French has been in the financial services industry for over 60 years. After serving as a branch manager for over ten years, Bill decided to return to his role as a Financial Advisor. Bill is currently Vice President Financial Advisor at The Harbor Financial Group at Morgan Stanley.
Bill is the former director of the Security Industry Association- southern District, the former Chairman of the Florida Securities Dealers Association, and a member Emeritus of the Economic Roundtable of Boca Raton.
Bill has served his community through the YMCA as Founder and first President as well as chairman of the FAU Foundation. He graduated with a 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 loves to travel to the Florida Keys where he spends most of his time out in the water fishing. Bill loves to spend time with his family and most of all his sweet golden retriever puppy.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6298515
Bill is the former director of the Security Industry Association- southern District, the former Chairman of the Florida Securities Dealers Association, and a member Emeritus of the Economic Roundtable of Boca Raton.
Bill has served his community through the YMCA as Founder and first President as well as chairman of the FAU Foundation. He graduated with a 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 loves to travel to the Florida Keys where he spends most of his time out in the water fishing. Bill loves to spend time with his family and most of all his sweet golden retriever puppy.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6298515
Securities Agent: MS, WY, VT, OR, KS, DC, VI, VA, TN, OH, NE, IL, ID, WV, TX, PA, NY, NM, MO, CO, CA, AR, WI, NC, MA, DE, RI, NJ, ND, MT, MN, SD, MI, LA, IN, GA, CT, SC, KY, AL, PR, NH, ME, FL, AZ, WA, UT, OK, NV, MD, IA; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1530254
NMLS#: 1530254
About Timothy Grajko
Tim Grajko CRPS® is a Financial Advisor with Morgan Stanley’s, Harbor Financial Group. Tim is a Chartered Retirement Plans Specialist™ –CRPS® and holds his Series 3, Series 7, Series 63 and Series 65 licenses. His practice centers around strong relationships with motivated and successful professionals who are looking for assistance with taking their wealth accumulation goals to the next level. Tim delivers this experience by educating his clients on the importance of risk management, developing and maintaining disciplined financial plans as well as applying investment strategies that are congruent to each client’s goals.
Tim spent the early years of his financial services career at J.P. Morgan Asset Management, where he partnered with and advised corporate executives on institutional retirement plans. He later went on to trade equities and equity derivative products at Susquehanna Financial Group. He has a strong foundation in portfolio management, multi asset investment solutions and risk management in the market.
Tim served as a Scout Sniper in the United States Marine Corps with combat deployments to Afghanistan and to Iraq. After leaving active duty, he was a project manager and director of operations for a technology company in NYC while attending college. Tim holds a Master’s degree in Financial Risk Management from the University of Connecticut and a Bachelor’s degree in Business Management from Manhattan College. Tim currently lives in Delray Beach with his wife and three children. He enjoys spending time with his family, attending car events, going to the beach, and supporting local and national Veterans organizations
Tim spent the early years of his financial services career at J.P. Morgan Asset Management, where he partnered with and advised corporate executives on institutional retirement plans. He later went on to trade equities and equity derivative products at Susquehanna Financial Group. He has a strong foundation in portfolio management, multi asset investment solutions and risk management in the market.
Tim served as a Scout Sniper in the United States Marine Corps with combat deployments to Afghanistan and to Iraq. After leaving active duty, he was a project manager and director of operations for a technology company in NYC while attending college. Tim holds a Master’s degree in Financial Risk Management from the University of Connecticut and a Bachelor’s degree in Business Management from Manhattan College. Tim currently lives in Delray Beach with his wife and three children. He enjoys spending time with his family, attending car events, going to the beach, and supporting local and national Veterans organizations
Securities Agent: NE, MO, MA, AR, VI, NV, ME, CO, PR, NM, NC, MN, HI, AL, VA, TN, OK, OH, MS, KS, ID, WY, WV, WA, UT, IA, DE, PA, MT, IN, GA, FL, TX, NJ, NH, ND, MI, LA, DC, SD, OR, IL, CT, CA, WI, VT, SC, NY, MD, KY, AZ, RI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1903863
NMLS#: 1903863
About Justin Cotroneo
Justin Cotroneo is a Financial Advisor and Associate Vice President at Morgan Stanley Wealth Management in Boca Raton Florida. Justin utilizes the resources and capabilities of Morgan Stanley and his partners to provide full service financial advice to his clients, working closely with them to develop a disciplined financial plan with a focus on risk management to help ensure they achieve their goals. Justin started his career in the financial industry in 2011 working for TD Canada Trust in Canada after he obtain his Honors Bachelor’s degree from University of Guelph. At TD Canada Trust he worked his way up from an entry level bank position to become a Financial Advisor.
In 2016 Justin decided to relocate to Florida USA to work, finding a position as a TD Bank working management and supervision. Justin was recruited by Merrill Lynch Wealth Management the following year and entered their Financial Advisor development program. At Merrill Lynch Justin obtained the Series 7, Series 66, insurance licenses and completed the development program in 2020.In 2022 Justin was recruited by Morgan Stanley Wealth Management after learning about the advantages and resources they provided to his clients.
In his free time, Justin enjoys volunteering in the community, being actively involved in the Canada-US Chamber of Commerce, Italian American Civic League. India-US Chamber of Commerce, Lauderdale by the Sea Chamber of Commerce, Lauderdale By The Sea Bocce Ball Club, and The Greater Pompano Beach Chamber of commerce. Justin also spends his time with his friends, family, reading staying active and traveling.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6394760
In 2016 Justin decided to relocate to Florida USA to work, finding a position as a TD Bank working management and supervision. Justin was recruited by Merrill Lynch Wealth Management the following year and entered their Financial Advisor development program. At Merrill Lynch Justin obtained the Series 7, Series 66, insurance licenses and completed the development program in 2020.In 2022 Justin was recruited by Morgan Stanley Wealth Management after learning about the advantages and resources they provided to his clients.
In his free time, Justin enjoys volunteering in the community, being actively involved in the Canada-US Chamber of Commerce, Italian American Civic League. India-US Chamber of Commerce, Lauderdale by the Sea Chamber of Commerce, Lauderdale By The Sea Bocce Ball Club, and The Greater Pompano Beach Chamber of commerce. Justin also spends his time with his friends, family, reading staying active and traveling.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6394760
Securities Agent: MO, MI, MA, OH, KY, KS, GA, CA, VT, RI, MS, HI, DC, CT, CO, WI, UT, PA, OR, OK, NY, ND, MD, IL, IA, SD, TX, PR, NM, NH, NE, DE, AL, VA, NJ, ID, VI, SC, NV, WY, WV, WA, TN, NC, MT, MN, ME, LA, IN, FL, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1524420
NMLS#: 1524420
About Stephanie Levin
With a keen focus on the financial success and priorities of high net-worth individuals and families, Stephanie Levin has solidified herself as a staple in the financial services arena. She takes great pride in genuinely connecting and caring about her clients’ well-being. As she helps clients navigate through major life events, they ultimately end up seeing her less as a financial advisor and more as a trusted friend who creates paths to optimally capitalize on the opportunities success will inevitably present.
Stephanie is a proud graduate of the University of Florida and with a Masters Degree from Arizona State University. Following her studies, she went on to successfully purchase, build and sell multiple franchises in Broward and Palm Beach County before following in her father’s illustrious footsteps in becoming a dedicated financial advisor. At Morgan Stanley, she is currently a First Vice President, Financial Advisor and Portfolio Manager with extensive experience in business operations, family planning, and retirement services. Stephanie is one of the few selected Morgan Stanley advisors to hold the Corporate Retirement Director certification, which allows her to work with 401(k) plans for private and publicly traded companies. Stephanie has particular depth in long-term wealth generating strategies and analytics, including cash-flow projections and modeling, estate structuring, pre- and post-liquidity event planning, and access to customized lending.
A true pillar in her community, Stephanie has been extensively involved in a number of area charities and organizations, both as a leader, contributor, and benefactor. Her two children have much of which to be proud and admire as Stephanie has shown herself to be among some of the most altruistically motivated women in the financial services industry
Stephanie is a proud graduate of the University of Florida and with a Masters Degree from Arizona State University. Following her studies, she went on to successfully purchase, build and sell multiple franchises in Broward and Palm Beach County before following in her father’s illustrious footsteps in becoming a dedicated financial advisor. At Morgan Stanley, she is currently a First Vice President, Financial Advisor and Portfolio Manager with extensive experience in business operations, family planning, and retirement services. Stephanie is one of the few selected Morgan Stanley advisors to hold the Corporate Retirement Director certification, which allows her to work with 401(k) plans for private and publicly traded companies. Stephanie has particular depth in long-term wealth generating strategies and analytics, including cash-flow projections and modeling, estate structuring, pre- and post-liquidity event planning, and access to customized lending.
A true pillar in her community, Stephanie has been extensively involved in a number of area charities and organizations, both as a leader, contributor, and benefactor. Her two children have much of which to be proud and admire as Stephanie has shown herself to be among some of the most altruistically motivated women in the financial services industry
Securities Agent: WY, WV, WI, WA, VT, VI, VA, UT, TX, 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, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1049385
NMLS#: 1049385
About Jeffrey Guggenheim
As a Financial Advisor with The Harbor Financial Group, Jeff focuses on enhancing client relationships through the modern wealth management process. His top priority with clients is gaining comprehensive understanding of their situation in order to provide tailored wealth planning solutions and investment advice that support their most-valued goals. With a background in financial management, he appreciates the complexities and opportunities that come with accumulation and preservation of net worth and strives to bring clarity to clients’ wealth strategy. Jeff joined the team in 2023, expanding its multigenerational wealth practice.
Prior to joining Morgan Stanley, Jeff held positions as Financial Analyst and Senior Finance Manager of billion-dollar businesses, including Dawn, Cascade, and other household-name brands at the Procter & Gamble Co. In these roles, he focused on long range financial strategy planning, profit & loss statement management, and financial forecasting guidance. He graduated from Miami University’s Farmer School of Business, B.S. in Business Administration with a major in Finance and minor in Economics. He is also an Eagle Scout.
Jeff holds Morgan Stanley’s Financial Planning Specialist designation and is a Series 7 and Series 66 licensed professional.
Jeff resides with his wife in Boca Raton, FL and enjoys spending time with his family.
Prior to joining Morgan Stanley, Jeff held positions as Financial Analyst and Senior Finance Manager of billion-dollar businesses, including Dawn, Cascade, and other household-name brands at the Procter & Gamble Co. In these roles, he focused on long range financial strategy planning, profit & loss statement management, and financial forecasting guidance. He graduated from Miami University’s Farmer School of Business, B.S. in Business Administration with a major in Finance and minor in Economics. He is also an Eagle Scout.
Jeff holds Morgan Stanley’s Financial Planning Specialist designation and is a Series 7 and Series 66 licensed professional.
Jeff resides with his wife in Boca Raton, FL and enjoys spending time with his family.
Securities Agent: MA, MI, MS, NE, OK, SD, HI, WA, NJ, NM, MT, WY, GA, MO, RI, TN, WI, VI, PR, NV, IA, UT, VA, NC, OH, IL, FL, AL, AR, PA, WV, DC, AZ, TX, NY, ND, LA, MN, AK, CO, CT, KS, CA, DE, OR, SC, ID, VT, MD, IN, ME, NH, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 2581635
NMLS#: 2581635
About Holly McNulty
Holly McNulty has been in the Wealth Management industry since obtaining her BBA in Finance and Investments in 2007
at the Macaulay Honors College at Baruch College in New York. Holly began her Morgan Stanley career as a Portfolio
Management Associate in midtown Manhattan and joined the Harbor Financial Group in 2015. Since then, Holly has become a First Vice President and Portfolio Management Associate Director of The Harbor Financial Group at Morgan Stanley. In that time, she has also completed her MBA in Finance at Florida Atlantic University and her CERTIFIED FINANCIAL PLANNER designation.
Holly works with The Harbor Financial Group’s financial advisors and clients to execute and monitor our portfolio
management strategies and financial plans. She works directly with Eric Applewhite, Managing Director & Financial Advisor of the Harbor Financial Group. She is also a member of the Board of Directors of Morgan Stanley’s Portfolio Management Institute.
Holly's strong attention to detail and extensive finance background allows her to deliver a superior client service experience both with clients directly and behind the scenes with the team, where she acts as Group Director.
A native New Yorker, Holly has lived in South Florida since 2015. In her free time, Holly enjoys volunteering in the
community as member of the Board of Directors of Covering South Florida, the Diaper Bank, as a sustaining member of the Junior League of Boca Raton, as a mentor for the Viner Scholars program, and as a member liaison for Impact 100 Palm Beach County. She also enjoys spending time with her friends, family, and rescue dog Mickey, as well as reading, playing tennis, and cheering on her New York sports teams.
Disclaimer text: This role cannot solicit or provide investment advice.
at the Macaulay Honors College at Baruch College in New York. Holly began her Morgan Stanley career as a Portfolio
Management Associate in midtown Manhattan and joined the Harbor Financial Group in 2015. Since then, Holly has become a First Vice President and Portfolio Management Associate Director of The Harbor Financial Group at Morgan Stanley. In that time, she has also completed her MBA in Finance at Florida Atlantic University and her CERTIFIED FINANCIAL PLANNER designation.
Holly works with The Harbor Financial Group’s financial advisors and clients to execute and monitor our portfolio
management strategies and financial plans. She works directly with Eric Applewhite, Managing Director & Financial Advisor of the Harbor Financial Group. She is also a member of the Board of Directors of Morgan Stanley’s Portfolio Management Institute.
Holly's strong attention to detail and extensive finance background allows her to deliver a superior client service experience both with clients directly and behind the scenes with the team, where she acts as Group Director.
A native New Yorker, Holly has lived in South Florida since 2015. In her free time, Holly enjoys volunteering in the
community as member of the Board of Directors of Covering South Florida, the Diaper Bank, as a sustaining member of the Junior League of Boca Raton, as a mentor for the Viner Scholars program, and as a member liaison for Impact 100 Palm Beach County. She also enjoys spending time with her friends, family, and rescue dog Mickey, as well as reading, playing tennis, and cheering on her New York sports teams.
Disclaimer text: This role cannot solicit or provide investment advice.
About Courtney J. Dadas
Courtney Dadas is a Client Service Associate with the Harbor Financial Group- She joined the team in 2015
and holds her Series 7 and 63 licenses. Courtney’s attention to detail, strong organizational skills and creativity
helps her deliver an exceptional client service experience for new and existing clients.
A native of New Jersey, Courtney has spent most of her life living in South Florida. She currently resides in Boca Raton, where she received her Bachelors of Science from Florida Atlantic University.
In her free time, Courtney is actively involved in local philanthropy through the Junior League of Boca Raton, Impact 100, and serves as a board member for Open Court Inc., a non-profit organization that provides tennis lessons to underserved children in Palm Beach County. Courtney has a passion for helping others and enjoys playing tennis, pickleball, traveling and spending time with her sheepadoodle Winston.
and holds her Series 7 and 63 licenses. Courtney’s attention to detail, strong organizational skills and creativity
helps her deliver an exceptional client service experience for new and existing clients.
A native of New Jersey, Courtney has spent most of her life living in South Florida. She currently resides in Boca Raton, where she received her Bachelors of Science from Florida Atlantic University.
In her free time, Courtney is actively involved in local philanthropy through the Junior League of Boca Raton, Impact 100, and serves as a board member for Open Court Inc., a non-profit organization that provides tennis lessons to underserved children in Palm Beach County. Courtney has a passion for helping others and enjoys playing tennis, pickleball, traveling and spending time with her sheepadoodle Winston.
About Nicholas C. Russo
Nicholas Russo is a Wealth Management Associate for The Harbor Financial Group. He is Series 7, 63, & 65 licensed and aims to deliver the highest level of client service.
He is a native of South Florida and currently lives in Boca Raton with his Fiancé and their dogs, Dallas & Ivy. He graduated from Florida State University in 2015. Prior to joining Morgan Stanley, Nicholas was able to gain experience working in program and project management at various companies in South Florida.
In his spare time, Nicholas likes to spend his time with family & friends and play sport, particularly basketball.
He is a native of South Florida and currently lives in Boca Raton with his Fiancé and their dogs, Dallas & Ivy. He graduated from Florida State University in 2015. Prior to joining Morgan Stanley, Nicholas was able to gain experience working in program and project management at various companies in South Florida.
In his spare time, Nicholas likes to spend his time with family & friends and play sport, particularly basketball.
About Denise Prado
Denise Prado has been in Wealth Management since 2000. She holds her Series 7, 63 and Life, Health & Annuity licenses. In 2023 she joined the Harbor Financial Group as a Wealth Management Associate. She also holds a Financial Planning Specialist Designation. Denise began her career at Smith Barney in Boston, MA and transferred to South Florida in 2003. In 2008 Smith Barney became part of Morgan Stanley. '
Denise focuses on client relationship development and providing exceptional client service experience for new and existing clients, she has strong organizational skills and is detailed oriented and well versed on various areas of the business.
Denise is originally from Brazil and moved to the USA in 1989. She holds dual citizenship and speaks fluent English and Portuguese.
In her free time, Denise likes to explore the outdoors, read, travel with family & friends, and spend time with her grown two children. Denise resides in East Broward County with her pets Xena & Abu Simba.
Denise focuses on client relationship development and providing exceptional client service experience for new and existing clients, she has strong organizational skills and is detailed oriented and well versed on various areas of the business.
Denise is originally from Brazil and moved to the USA in 1989. She holds dual citizenship and speaks fluent English and Portuguese.
In her free time, Denise likes to explore the outdoors, read, travel with family & friends, and spend time with her grown two children. Denise resides in East Broward County with her pets Xena & Abu Simba.
About Elsie Metzl
Elsie Metzl has been in Wealth Management for 50 years and holds her Series 7, Series 63, Series 9, and Series 10 licenses. She began her career at Merrill Lynch as an Operations Manager before moving to Wachovia where she worked as a Complex Administrative Manager for over 20 years. In 2019, Elsie moved to South Florida where she joined the Harbor Financial Group as a Senior Registered Associate.
Elsie focuses on close personal client relationships. Her passion and desire to help others drives her and helps the Team deliver exceptional client service. Her vast knowledge of different sides of the business make each client experience unique and help build a strong foundation for trust, reliability, and communication.
Elsie Metzl is originally from Texas, but grew-up in Palm Springs Lakes, Florida. She attended Miami Dade and St. Pete College where she studied Nursing. In her free time, Elsie enjoys traveling with her husband Mark, barbeques with friends, and spending time with her family.
Elsie focuses on close personal client relationships. Her passion and desire to help others drives her and helps the Team deliver exceptional client service. Her vast knowledge of different sides of the business make each client experience unique and help build a strong foundation for trust, reliability, and communication.
Elsie Metzl is originally from Texas, but grew-up in Palm Springs Lakes, Florida. She attended Miami Dade and St. Pete College where she studied Nursing. In her free time, Elsie enjoys traveling with her husband Mark, barbeques with friends, and spending time with her family.
About Cara Puccio
Cara was born and raised in New Jersey and attended Rutgers University. She began her career in finance with Merrill Lynch following her graduation in 2005. Cara joined The Harbor Financial Group in 2019. Through her work with the team, Cara has been instrumental in providing exceptional customer service. Cara holds her Series 7 & 66 licenses and has 14 years of industry experience.
Cara moved to South Florida for the sun and the sand and enjoys outdoor activities and exploring all hidden gems of this beautiful state.
Cara moved to South Florida for the sun and the sand and enjoys outdoor activities and exploring all hidden gems of this beautiful state.
About Nann Burch
Nann Burch started her career in the securities industry in 1982 as an OTC Trader with a small retail firm in Buffalo, New York. 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 moving on to working with 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 Advisor Representative (Series 65). Nann now works for The Harbor Financial Group at Morgan Stanley as a Portfolio Associate.
Getting back to nature in her free time, Nann raises heritage chickens, loves to garden (to feed those chickens), landscaping, and enjoys designing clothing patterns, machine knitting, clay and metal sculpting.
Getting back to nature in her free time, Nann raises heritage chickens, loves to garden (to feed those chickens), landscaping, and enjoys designing clothing patterns, machine knitting, clay and metal sculpting.
About Juan Carlos Carballo
Juan Carlos Carballo is a Wealth Management Associate with the Harbor Financial Group. With over 18 years of industry experience, JC holds his Series 7, Series 66 and Series 31 licenses. JC originally joined Morgan Stanley in 2000 during which he became the recipient of the National Directors Award. In 2007, He rejoined Morgan Stanley and has since become Assistant Vice President and Wealth Management Associate.
JC works directly with clients in the development of their LifeView® financial plan. He also utilizes tools such as LifeView® Goal Analysis Tool and Goals Planning System to identify ideal asset allocation models. He prepares and analyzes these reports and other data for clients and delivers a holistic plan of action to conform with specific client risk profile and financial goals.
JC graduated from Florida Atlantic University with double majors in Finance and International Business & Trade. For years, his passion has been to provide to underprivileged families. JC coordinates annual food distributions in Nicaragua consisting of the basics: rice, beans, sugar, salt, soap and toys. He has enjoyed living in Florida since 1985 and currently lives in Palm Springs with his wife Karla and two young daughters, Noella and Karly. During his free time, you are sure to find him spending quality time with his family at the beach, the park or out to dinner.
JC works directly with clients in the development of their LifeView® financial plan. He also utilizes tools such as LifeView® Goal Analysis Tool and Goals Planning System to identify ideal asset allocation models. He prepares and analyzes these reports and other data for clients and delivers a holistic plan of action to conform with specific client risk profile and financial goals.
JC graduated from Florida Atlantic University with double majors in Finance and International Business & Trade. For years, his passion has been to provide to underprivileged families. JC coordinates annual food distributions in Nicaragua consisting of the basics: rice, beans, sugar, salt, soap and toys. He has enjoyed living in Florida since 1985 and currently lives in Palm Springs with his wife Karla and two young daughters, Noella and Karly. During his free time, you are sure to find him spending quality time with his family at the beach, the park or out to dinner.
About Christine Pulver
Christine Pulver is a Portfolio Associate with the Harbor Financial Group. In her role, she focuses on the administrative needs of the Team and spends the majority of her time interacting with clients. In addition to her role as Portfolio Associate, Christine has acted as a Morgan Stanley Complex Coach where she taught, coached, and mentored new client service staff members as they look to quickly integrate by learning the many tools and systems of the Firm.
Christine has been with Morgan Stanley since 2015 and has been in the industry since 2011. Prior to her current role, Christine was with Raymond James serving as the administrative partner to the branch manager, supporting senior financial advisors through client service activities and portfolio assistant duties.
Born and raised in South Florida, Christine attended Cardinal Gibbons High School in Fort Lauderdale and spent her summers in the Swiss Alps with family. Before working in finance, she worked in Switzerland as a textile liaison for the import and export operations for Adidas. She is fluent in Spanish and German which has helped her deliver excellent client service to the team’s diverse client base.
Christine is a proud graduate of the University of South Florida –Tampa Campus with a degree in Spanish and German with a concentration in International Studies. Her two daughters have attended Florida Atlantic University and Florida State University.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6215576
Christine has been with Morgan Stanley since 2015 and has been in the industry since 2011. Prior to her current role, Christine was with Raymond James serving as the administrative partner to the branch manager, supporting senior financial advisors through client service activities and portfolio assistant duties.
Born and raised in South Florida, Christine attended Cardinal Gibbons High School in Fort Lauderdale and spent her summers in the Swiss Alps with family. Before working in finance, she worked in Switzerland as a textile liaison for the import and export operations for Adidas. She is fluent in Spanish and German which has helped her deliver excellent client service to the team’s diverse client base.
Christine is a proud graduate of the University of South Florida –Tampa Campus with a degree in Spanish and German with a concentration in International Studies. Her two daughters have attended Florida Atlantic University and Florida State University.
2024 and 2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
01/2024 CRC 6215576
About Mark Sutain
Mark Sutain Jr. began his career at Morgan Stanley in 2022 as a Registered Client Service Associate and joined the Harbor Financial Group in 2024. Mark currently holds Series 7, and 66 certifications. Since joining MS, Mark has obtained his Financial Planning Specialist designation and is currently a service coach for our market. His in-depth service knowledge helps to provide an exceptional service experience for the clients that he works with.
While living most of his life in Florida, he is originally from New York. In our community, he is an advocate of mental health awareness and adoption of sheltered pets. Outside the office, Mark enjoys hiking, basketball, football, snowboarding, and surfing.
Disclaimer text: This role cannot solicit or provide investment advice.
While living most of his life in Florida, he is originally from New York. In our community, he is an advocate of mental health awareness and adoption of sheltered pets. Outside the office, Mark enjoys hiking, basketball, football, snowboarding, and surfing.
Disclaimer text: This role cannot solicit or provide investment advice.
About Cosi Toms
Cosi is a Registered Client Service Associate for the Harbor Financial Group at Morgan Stanley. Prior to joining the Team full-time, Cosi worked for the group as an intern for 9 months in 2022 until early 2023, and then returned once again in the Summer of 2023 as the Group’s Pathways Associate Intern. During her Summer in the Program, Cosi successfully completed the Firm’s Capstone Project and set curriculum, where she was able to broaden her knowledge of Morgan Stanley’s many capabilities and functions.
Her strong organizational skills and prior work experiences have allowed Cosi to successfully assist the Team in her current role with tasks relating to marketing, administration, and general project management.
In May of 2023, Cosi graduated Magna Cum Laude from Lynn University in Boca Raton with a Bachelor of Science in International Business Management. She joined the group full-time as the Team Administrator in August of 2023 and is looking forward to her future with the firm.
Before moving to Florida with her family, Cosi grew up in New York City and has family in England. In her free time, Cosi’s favorite hobbies include traveling and spending time with her family & friends.
Her strong organizational skills and prior work experiences have allowed Cosi to successfully assist the Team in her current role with tasks relating to marketing, administration, and general project management.
In May of 2023, Cosi graduated Magna Cum Laude from Lynn University in Boca Raton with a Bachelor of Science in International Business Management. She joined the group full-time as the Team Administrator in August of 2023 and is looking forward to her future with the firm.
Before moving to Florida with her family, Cosi grew up in New York City and has family in England. In her free time, Cosi’s favorite hobbies include traveling and spending time with her family & friends.
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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.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 appropriate 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 appropriate 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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)