Senior Vice President, Financial Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(727) 773-4691(727) 773-4691
The Harbor Legacy Group at Morgan Stanley
Our Mission Statement
Our mission is to simplify and enhance
the financial lives of our clients
so that they can spend more time
doing what they value most.
You define success.
We help you achieve it.
the financial lives of our clients
so that they can spend more time
doing what they value most.
You define success.
We help you achieve it.
Our Story and Services
Based on a foundation of trust and integrity, our team works diligently to help successful individuals, families and business owners in the Tampa Bay area and nationally pursue their financial goals. Focused on building strong, enduring multi-generational relationships, we take great pride in the fact that we are now helping our client’s children and grandchildren begin and build their financial futures.
With over 70 years of combined advisory experience, we help our clients in successfully planning for the retirement they envision, growing and preserving their wealth, transferring that wealth to the next generation, and establishing a legacy through family foundations and philanthropy. We also work with business owners on corporate retirement planning and on navigating the complexities of selling a business.
Working with us means you’ll have a highly qualified team of advisors committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. We work with each of our clients to define their goals, develop a comprehensive, tailored wealth management strategy, track progress, and adjust their strategy as the inevitable changes in life occur. The experience, knowledge, and integrity of our team brings simplicity to the complexities of investing, making the intimidating task of planning for the future an exciting journey of helping you realize your goals.
With over 70 years of combined advisory experience, we help our clients in successfully planning for the retirement they envision, growing and preserving their wealth, transferring that wealth to the next generation, and establishing a legacy through family foundations and philanthropy. We also work with business owners on corporate retirement planning and on navigating the complexities of selling a business.
Working with us means you’ll have a highly qualified team of advisors committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. We work with each of our clients to define their goals, develop a comprehensive, tailored wealth management strategy, track progress, and adjust their strategy as the inevitable changes in life occur. The experience, knowledge, and integrity of our team brings simplicity to the complexities of investing, making the intimidating task of planning for the future an exciting journey of helping you realize your goals.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust ServicesFootnote5
- Business Succession PlanningFootnote6
- Retirement PlanningFootnote7
- 401(k) Rollovers
- Corporate Retirement PlansFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- Alternative InvestmentsFootnote11
- AnnuitiesFootnote12
- Fixed IncomeFootnote13
- Life InsuranceFootnote14
- Long Term Care InsuranceFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Patrick Griffith, CRPC®
Senior Vice President
Financial Advisor
Portfolio Management Director
Alternative Investments Director
Phone: (727) 773-4691
Email: Patrick.Griffith@morganstanley.com
Patrick has over 30 years of wealth management experience, including six years as a producing branch manager in the Tampa Bay area. He has earned the title of Portfolio Management Director which allows him to build and manage customized strategies for clients and also holds the Alternative Investments Director designation at Morgan Stanley enabling him to provide clients with guidance, insight and thought leadership on the alternative investment asset class. In addition, he holds the Chartered Retirement Planning Counselor CRPC® designation awarded by the College of Financial Planning. Patrick is a graduate of the Wharton School of Business of the University of Pennsylvania and received his Master of Science from Villanova University. Serving high-net worth individuals, families, and business owners, Patrick is dedicated to providing each client with outstanding service and the finest individually tailored approach to financial and investment strategies. At the heart of his philosophy is a passion to earn each client’s trust and respect through working hard with integrity and transparency. He focuses on building enduring, multi-generational relationships and takes great pride in the fact that he is now helping his client’s children and grandchildren build their financial futures. Understanding that most clients are extremely busy, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, education and retirement planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, and intergenerational wealth transfer. The firm’s full-service philosophy also enables him to meet client’s credit and borrowing needs. Through his many years in the industry, Patrick has helped countless clients in the Tampa Bay area and throughout the country address their financial needs and concerns and move successfully toward their goals. Patrick resides in Safety Harbor and has been active in his community for years. In his free time, he enjoys golf, tennis, travelling and spending time with family and friends.
Financial Advisor
Portfolio Management Director
Alternative Investments Director
Phone: (727) 773-4691
Email: Patrick.Griffith@morganstanley.com
Patrick has over 30 years of wealth management experience, including six years as a producing branch manager in the Tampa Bay area. He has earned the title of Portfolio Management Director which allows him to build and manage customized strategies for clients and also holds the Alternative Investments Director designation at Morgan Stanley enabling him to provide clients with guidance, insight and thought leadership on the alternative investment asset class. In addition, he holds the Chartered Retirement Planning Counselor CRPC® designation awarded by the College of Financial Planning. Patrick is a graduate of the Wharton School of Business of the University of Pennsylvania and received his Master of Science from Villanova University. Serving high-net worth individuals, families, and business owners, Patrick is dedicated to providing each client with outstanding service and the finest individually tailored approach to financial and investment strategies. At the heart of his philosophy is a passion to earn each client’s trust and respect through working hard with integrity and transparency. He focuses on building enduring, multi-generational relationships and takes great pride in the fact that he is now helping his client’s children and grandchildren build their financial futures. Understanding that most clients are extremely busy, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, education and retirement planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, and intergenerational wealth transfer. The firm’s full-service philosophy also enables him to meet client’s credit and borrowing needs. Through his many years in the industry, Patrick has helped countless clients in the Tampa Bay area and throughout the country address their financial needs and concerns and move successfully toward their goals. Patrick resides in Safety Harbor and has been active in his community for years. In his free time, he enjoys golf, tennis, travelling and spending time with family and friends.
Jeffrey Clements, CFP®
Senior Vice President
Financial Advisor
Portfolio Manager
Phone: (863) 499-1521
Email: Jeffrey.Clements@morganstanley.com
Jeffrey has provided wealth management solutions and outstanding service for his clients in Lakeland and throughout the country since 1993. He is a Wealth Management Advisor and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. In addition, Jeffrey is a qualified Portfolio Manager. In addition to providing traditional advice and guidance, he can help clients pursue their objectives by building and managing personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios and third-party investment strategies. When servicing clients through the firm's Modern Portfolio Solutions a Portfolio Manager may manage his strategies on a discretionary basis. Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer. Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer. Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family and friends.
Financial Advisor
Portfolio Manager
Phone: (863) 499-1521
Email: Jeffrey.Clements@morganstanley.com
Jeffrey has provided wealth management solutions and outstanding service for his clients in Lakeland and throughout the country since 1993. He is a Wealth Management Advisor and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. In addition, Jeffrey is a qualified Portfolio Manager. In addition to providing traditional advice and guidance, he can help clients pursue their objectives by building and managing personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios and third-party investment strategies. When servicing clients through the firm's Modern Portfolio Solutions a Portfolio Manager may manage his strategies on a discretionary basis. Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer. Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer. Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family and friends.
Veronica Sullivan, CFP®, QPFC
Financial Advisor
Portfolio Manager
Phone: (727) 773-4694
Email: Veronica.Sullivan@morganstanley.com
Veronica has extensive and varied experience in the financial services industry. She began her career with Merrill in Tampa as a licensed client associate, soon-after moving into a senior financial analyst role within Merrill’s Private Banking and Investment Group. In 2016, she became a financial advisor and, most recently in 2021, joined The Harbor Legacy Group as a valuable part of their team. Throughout her career, Veronica has been driven by a passion to deliver personalized, white glove client service. Many of the clients she works with are building businesses, medical practices, and expanding their professional careers. Veronica helps them look ahead to define their financial goals, then works with them to create a customized financial plan, including a strategic asset allocation tailored to achieving these goals. She often coordinates with outside accountants, attorneys, and other professional advisors to help her clients navigate unique estate planning situations and implement tax mitigation strategies. Veronica earned a Bachelor’s degree from Florida State University. She is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional and holds the Qualified Plan Financial Consultant (QPFC) designation. She was born and raised in Clearwater, Florida and currently resides in Crystal beach with her husband, Kevin, a nurse anesthetist, and their two young children, Connor and Chloe. In her free time, she enjoys spending time with her family, playing tennis, boating, and kitesurfing.
Portfolio Manager
Phone: (727) 773-4694
Email: Veronica.Sullivan@morganstanley.com
Veronica has extensive and varied experience in the financial services industry. She began her career with Merrill in Tampa as a licensed client associate, soon-after moving into a senior financial analyst role within Merrill’s Private Banking and Investment Group. In 2016, she became a financial advisor and, most recently in 2021, joined The Harbor Legacy Group as a valuable part of their team. Throughout her career, Veronica has been driven by a passion to deliver personalized, white glove client service. Many of the clients she works with are building businesses, medical practices, and expanding their professional careers. Veronica helps them look ahead to define their financial goals, then works with them to create a customized financial plan, including a strategic asset allocation tailored to achieving these goals. She often coordinates with outside accountants, attorneys, and other professional advisors to help her clients navigate unique estate planning situations and implement tax mitigation strategies. Veronica earned a Bachelor’s degree from Florida State University. She is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional and holds the Qualified Plan Financial Consultant (QPFC) designation. She was born and raised in Clearwater, Florida and currently resides in Crystal beach with her husband, Kevin, a nurse anesthetist, and their two young children, Connor and Chloe. In her free time, she enjoys spending time with her family, playing tennis, boating, and kitesurfing.
Kevin Griffith
Financial Advisor
Financial Planning Specialist
Portfolio Manager
Phone: (727) 773-4693
Email: Kevin.C.Griffith@morganstanley.com
Kevin has enjoyed a diverse career path starting in the health insurance industry in Ft. Lauderdale and transitioning into the financial services industry as a Financial Advisor with Merrill. In 2022, he transitioned to Morgan Stanley in Palm Harbor as a valuable member of his team, the Harbor Legacy Group. As a Morgan Stanley financial advisor, Kevin focuses on working with businesses, business owners and multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach to managing wealth through all phases of life by analyzing the client’s current financial situation as well as their lifetime financial goals. Through understanding and quantifying those goals, he then helps clients create a customized wealth management plan to prioritize and pursue those goals. Committed to excellent client service, Kevin prides himself on frequent client engagement, communicating insightful market perspectives, and identifying innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients. Kevin leverages an experienced and diverse team of advisors as well as investment insights from Morgan Stanley. Kevin was born in Clearwater, FL and raised in Safety Harbor where he currently lives. Outside of work, he loves to cook, travel, play golf, tennis and pickleball and spend time with family and friends.
Financial Planning Specialist
Portfolio Manager
Phone: (727) 773-4693
Email: Kevin.C.Griffith@morganstanley.com
Kevin has enjoyed a diverse career path starting in the health insurance industry in Ft. Lauderdale and transitioning into the financial services industry as a Financial Advisor with Merrill. In 2022, he transitioned to Morgan Stanley in Palm Harbor as a valuable member of his team, the Harbor Legacy Group. As a Morgan Stanley financial advisor, Kevin focuses on working with businesses, business owners and multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach to managing wealth through all phases of life by analyzing the client’s current financial situation as well as their lifetime financial goals. Through understanding and quantifying those goals, he then helps clients create a customized wealth management plan to prioritize and pursue those goals. Committed to excellent client service, Kevin prides himself on frequent client engagement, communicating insightful market perspectives, and identifying innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients. Kevin leverages an experienced and diverse team of advisors as well as investment insights from Morgan Stanley. Kevin was born in Clearwater, FL and raised in Safety Harbor where he currently lives. Outside of work, he loves to cook, travel, play golf, tennis and pickleball and spend time with family and friends.
Kyle Griffith, MBA
Financial Advisor
Financial Planning Specialist
Phone: (727) 773-4612
Email: Kyle.Griffith@morganstanley.com
Kyle recently joined the Harbor Legacy Group. He began his career at the investment management firm BlackRock, working in institutional sales for 5 years in both their Princeton, NJ and San Francisco, CA offices. After his time at BlackRock, Kyle led sales teams at both early-stage and late-stage technology startup firms. Kyle earned a Bachelor of Science degree in Finance and Economics from Florida State University. He later went on to earn an MBA from the Bayes Business School at the University of London. He was born in Clearwater, FL and is currently residing in Dunedin, FL with his Bernedoodle Paddy. In his free time, Kyle enjoys golfing, biking, Kayaking, music, and cooking for friends and family.
Financial Planning Specialist
Phone: (727) 773-4612
Email: Kyle.Griffith@morganstanley.com
Kyle recently joined the Harbor Legacy Group. He began his career at the investment management firm BlackRock, working in institutional sales for 5 years in both their Princeton, NJ and San Francisco, CA offices. After his time at BlackRock, Kyle led sales teams at both early-stage and late-stage technology startup firms. Kyle earned a Bachelor of Science degree in Finance and Economics from Florida State University. He later went on to earn an MBA from the Bayes Business School at the University of London. He was born in Clearwater, FL and is currently residing in Dunedin, FL with his Bernedoodle Paddy. In his free time, Kyle enjoys golfing, biking, Kayaking, music, and cooking for friends and family.
Moriah Webb
Registered Client Service Associate
Phone: (727) 773-4652
Email: Moriah.Webb@morganstanley.com
Moriah is a registered Client Service Associate with our team, holding her Series 7 and Series 66 FINRA registrations. Originally from Valrico, FL, Moriah graduated from Florida State University with a degree in Marketing. She began her career at Florida State University in Event Administration and Donor Relations and, in 2019 transitioned into the financial services industry. Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience. Moriah currently lives in Dunedin, FL. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
Phone: (727) 773-4652
Email: Moriah.Webb@morganstanley.com
Moriah is a registered Client Service Associate with our team, holding her Series 7 and Series 66 FINRA registrations. Originally from Valrico, FL, Moriah graduated from Florida State University with a degree in Marketing. She began her career at Florida State University in Event Administration and Donor Relations and, in 2019 transitioned into the financial services industry. Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience. Moriah currently lives in Dunedin, FL. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
Lisa Griffith. MBA
Team Administrator
Phone: (727) 773-4692
Email: Lisa.Griffith@morganstanley.com
Lisa has worked in the financial services industry since 2013 and serves as Team Administrator for The Harbor Legacy Group in Palm Harbor, FL. She is passionate about providing outstanding service support for her team’s clients and also provides internal organizational support for her advisor team members. Her focus includes marketing strategy/initiatives, website and social media support, client servicing and communications, event planning, and various team management responsibilities. Lisa began her career as a Management Consultant specializing in economic impact studies and strategic planning with Booz, Allen & Hamilton both domestically and internationally. She also served as Marketing Manager for Latin America and the Caribbean for Citicorp in Tampa, FL and then worked as a Management Consultant in the planning division for URS/Greiner as well as independently for her own company LCG Consulting. Lisa graduated from Florida State University with a degree in International Business and Spanish. She went on to earn a Master’s Degree in International Business from the University of South Carolina which included a working internship in brand/product management with Colgate Palmolive in Mexico City. Lisa has lived and travelled extensively throughout Latin America and the Caribbean and is conversant in Spanish. Born and raised in Clearwater, FL, she currently lives in Safety Harbor with her family and, in her free time, enjoys hiking, kayaking, travel and spending time with family and friends.
Phone: (727) 773-4692
Email: Lisa.Griffith@morganstanley.com
Lisa has worked in the financial services industry since 2013 and serves as Team Administrator for The Harbor Legacy Group in Palm Harbor, FL. She is passionate about providing outstanding service support for her team’s clients and also provides internal organizational support for her advisor team members. Her focus includes marketing strategy/initiatives, website and social media support, client servicing and communications, event planning, and various team management responsibilities. Lisa began her career as a Management Consultant specializing in economic impact studies and strategic planning with Booz, Allen & Hamilton both domestically and internationally. She also served as Marketing Manager for Latin America and the Caribbean for Citicorp in Tampa, FL and then worked as a Management Consultant in the planning division for URS/Greiner as well as independently for her own company LCG Consulting. Lisa graduated from Florida State University with a degree in International Business and Spanish. She went on to earn a Master’s Degree in International Business from the University of South Carolina which included a working internship in brand/product management with Colgate Palmolive in Mexico City. Lisa has lived and travelled extensively throughout Latin America and the Caribbean and is conversant in Spanish. Born and raised in Clearwater, FL, she currently lives in Safety Harbor with her family and, in her free time, enjoys hiking, kayaking, travel and spending time with family and friends.
Jesse Babin
Registered Client Service Associate
Phone: (863) 499-1511
Email: Jesse.Babin@MorganStanley.com
Jesse has extensive experience in the financial services industry. He brings a wealth of experience to the team, delivering customized service support to our clients as well as a high level of internal services to the advisor team. Born and raised just outside of New Orleans, Jesse lived there until he left for the Navy in 1990. Upon his departure from the Navy, he stayed in Virginia Beach where he worked in the insurance industry servicing active-duty military personnel and retirees with their civilian medical claims. In 2000, Jesse was recruited to join UBS Financial Services in Atlanta where he worked in Operations and Compliance for the Wealth Management division. After moving to Morgan Stanley, he worked diligently to obtain his Series 7, Series 66, Life, Health and Variable Annuities Licenses which he used to service the same financial advisor for 21 years. In May of 2022, Jesse and his family relocated to Lakeland, Florida where he joined The Harbor Legacy Group at Morgan Stanley. He is committed to using his experience and knowledge to provide comprehensive, outstanding service to our clients and their families.
Phone: (863) 499-1511
Email: Jesse.Babin@MorganStanley.com
Jesse has extensive experience in the financial services industry. He brings a wealth of experience to the team, delivering customized service support to our clients as well as a high level of internal services to the advisor team. Born and raised just outside of New Orleans, Jesse lived there until he left for the Navy in 1990. Upon his departure from the Navy, he stayed in Virginia Beach where he worked in the insurance industry servicing active-duty military personnel and retirees with their civilian medical claims. In 2000, Jesse was recruited to join UBS Financial Services in Atlanta where he worked in Operations and Compliance for the Wealth Management division. After moving to Morgan Stanley, he worked diligently to obtain his Series 7, Series 66, Life, Health and Variable Annuities Licenses which he used to service the same financial advisor for 21 years. In May of 2022, Jesse and his family relocated to Lakeland, Florida where he joined The Harbor Legacy Group at Morgan Stanley. He is committed to using his experience and knowledge to provide comprehensive, outstanding service to our clients and their families.
The Harbor Legacy Advantage
Smart wealth management begins and ends with tailored service and attention to detail. We enjoy working with families and business owners who seek long-term, fully engaged relationships with their advisors and believe the following attributes set us apart from other advisory teams.
Certified Financial Planner™ (CFP®)
Both Veronica Sullivan and Jeffrey Clements hold CFP® designations. CFP® professionals have met the extensive training and experience requirements and commit to the CFP® Board's ethical standards that require them to put their clients' interests first. The certification acknowledges their high standard of delivering financial planning based on their in-depth knowledge of budgeting, investing, retirement planning, and insurance.
Chartered Retirement Planning Counselor™ (CRPC®)
Patrick Griffith holds the CRPC® designation awarded by the College for Financial Planning. This designation provides him with expertise in the entire retirement planning process including identifying sources of retirement income, making the most of social security retirement benefits, navigating health care options in retirement, achieving tax and estate planning objectives, and making the financial and emotional transition to retirement.
Qualified Plan Financial Consultant (QPFC)
Veronica earned the QPFC designation, proving her skill and experience working with retirement plans and learning about fiduciary services for retirement plans. This designation allows her to act as a plan fiduciary and
help plan administrators manage their roles and responsibilities.
help plan administrators manage their roles and responsibilities.
Portfolio Management Director
Patrick has over 30 years of wealth management experience. After meeting the firm’s rigorous testing standards and careful analysis, he was awarded the Portfolio Management Director designation. In addition, Veronica and Jeff earned the Portfolio Manager designation. These designations allow all three advisors to build and manage customized strategies for clients.
Alternative Investments Director
Patrick holds the Alternative Investments Director designation at Morgan Stanley, enabling him to provide clients with guidance, insight and thought leadership on the alternative investment asset class. This specialization within Morgan Stanley was developed for Financial Advisors who have significantly incorporated Alternative Investments into their practice.
Equity Compensation
Equity compensation can have a significant impact on your overall financial picture. Patrick, Jeffrey, Veronica and Kevin all hold a specialty in equity compensation. By successfully completing the firm's training and testing, they are able to help determine how clients can use their equity compensation to most effectively work towards their goals.
Extensive Experience
We deliver a powerful combination of experience and education that is rare in one group of advisors. Our team has over 70 years of collective advisory experience and includes two CFPs®, one Chartered Retirement Planning Counselor CRPC®, one Qualified Plan Financial Consultant QPFC, a Portfolio Management Director and an Alternative Investments Director. From investment management to estate planning and everything in between, we provide the solutions needed to achieve your life goals. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience with us will be.
Risk Identification and Management
Life's risks can manifest themselves in many ways --from loss of health to loss of life- and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively address these concerns in a number of ways, ranging from liquidity strategies to insurance reviews.
Asset Growth and Preservation
As asset managers, we strive to achieve the best possible investment returns in accordance with your desired level of risk. We offer a wide range of strategies that apply long-held investment principles to help your assets appreciate so that you are able to provide the best education for your children and grandchildren, live the lifestyle you envision, and perhaps transfer your wealth to the next generation.
Lifestyle Management
We pay particular attention to the timing of milestone events, as well as spending patterns to offer you a set of lifestyle guidelines that help assure your retirement - and other key goals - are not compromised. Understanding that our clients' needs are unique, we offer strategies specific to your personal situation.
Legacy Planning
Transitioning an estate to the next generation or favorite charity requires a detailed, coordinated approach. We work with your outside estate planning and tax professionals, align estate planning goals with the appropriate asset titling and beneficiary designation requirements, and incorporate tax minimization strategies to help enhance results.
Clear Communication
We take the time to ask questions, listen carefully, and work to gain a clear understanding of your concerns, priorities, risk tolerance, time horizon, liquidity needs, goals and financial situation. Once we know where your wealth stands today and where you’d like it to be tomorrow, we work with you to develop a strategy that connects your personal goals with financial strategies. We understand the importance of frequent, clear communication and reach out to all our clients on a regular basis to keep abreast of changes in your life, track your progress and adjust strategies as necessary.
Longevity Planning
Given the increase in life expectancy, we help tailor allocation and income distribution strategies to help you preserve assets, whether they are held at Morgan Stanley or other firms. This includes advice on 401(k) plan assets, life insurance and long-term care plans.
Your Single Point of Contact
We commit to being your single point of contact for all things financial. Our disciplined process begins with a thorough financial plan to understand your goals and concerns, which in turn, drives the strategies and services we tailor for you. We will collaborate with your accountant, estate planning attorney, and other professionals within our network to help ensure your plan remains comprehensive, cohesive, and coordinated.
Our Five Step Process
The Harbor Legacy Group adheres to a disciplined approach to managing your wealth. We take the time to get to know our clients and work closely with them to design a customized wealth management strategy to help turn their goals into reality.
1. Introductory Call
We value getting to know our clients on a personal level. Our first call is to introduce ourselves and understand what financial concerns you may have. After presenting the value we'll add, we can schedule a follow up meeting to gain a more detailed understanding of your entire financial picture.
2. Understanding You
During this meeting, our goal is to come to know you better and to gain a clear understanding of what is most important to you. We will explore your unique concerns, priorities, risk tolerance, time horizon, liquidity needs, goals, and current financial situation. This approach puts you at the center of our wealth management process and enables us to develop a more effective, customized plan to effectively work toward your goals.
3. Strategy Development
Utilizing the information you have provided, combined with our modern wealth management tools and a wide variety of investment products, we work to develop a customized investment strategy to most effectively help you grow and preserve your wealth and, if you so desire, transfer your wealth to the next generation.
4. Presentation & Implementation
Once we have developed your customized investment plan, we will present it to you, taking great care to make sure you understand and approve of the strategy we have set forth and making any necessary changes. Upon your approval, we will open your accounts with Morgan Stanley and begin implementing our investment plan.
5. Ongoing Service
Our team is committed to providing outstanding, consistent service throughout our entire relationship. We provide frequent communication and reviews and work with you to adjust your strategy as the inevitable changes in life occur.
Morgan Stanley Online
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind.
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
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Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreLocation
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4691(727) 773-4691
225 East Lemon St
Suite 100
Lakeland, FL 33801
US
Direct:
(863) 499-1521(863) 499-1521
Meet The Harbor Legacy Group
Phone:
(863) 499-1521(863) 499-1521
Phone:
(727) 773-4694(727) 773-4694
Phone:
(727) 773-4693(727) 773-4693
Kyle Griffith, MBA
Financial Advisor, Financial Planning Specialist
Phone:
(727) 773-4612(727) 773-4612
Moriah Webb
Registered Client Service Associate
Phone:
(727) 773-4652(727) 773-4652
Jesse Babin
Registered Client Service Associate
Phone:
(863) 499-1511(863) 499-1511
Lisa Griffith, MBA
Team Administrator
Phone:
(727) 773-4692(727) 773-4692
About Patrick Griffith
Patrick has over 30 years of wealth management experience, including six years as a producing branch manager. He has earned the title of Portfolio Management Director which allows him to build and manage customized strategies for clients and also holds the Alternative Investments Director designation at Morgan Stanley enabling him to provide clients with guidance, insight and thought leadership on the alternative investment asset class. In addition, he holds the Chartered Retirement Planning Counselor CRPC® designation awarded by the College of Financial Planning. Patrick is a graduate of the Wharton School of Business of the University of Pennsylvania and received his Master of Science from Villanova University.
Serving high-net worth individuals, families, and business owners, Patrick is dedicated to providing each client with outstanding service and the finest individually tailored approach to financial and investment strategies. At the heart of his philosophy is a passion to earn each client’s trust and respect through working hard with integrity and transparency. He focuses on building enduring, multi-generational relationships and takes great pride in the fact that he is now helping his client’s children and grandchildren build their financial futures.
Understanding that most clients are extremely busy, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, education and retirement planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, and intergenerational wealth transfer. The firm’s full-service philosophy also enables him to meet client’s credit and borrowing needs. Through his many years in the industry, Patrick has helped countless clients address their financial needs and concerns and move successfully toward their goals.
Patrick resides in Safety Harbor and has been active in his community for years. In his free time, he enjoys golf, tennis, travelling and spending time with family and friends.
Serving high-net worth individuals, families, and business owners, Patrick is dedicated to providing each client with outstanding service and the finest individually tailored approach to financial and investment strategies. At the heart of his philosophy is a passion to earn each client’s trust and respect through working hard with integrity and transparency. He focuses on building enduring, multi-generational relationships and takes great pride in the fact that he is now helping his client’s children and grandchildren build their financial futures.
Understanding that most clients are extremely busy, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, education and retirement planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, and intergenerational wealth transfer. The firm’s full-service philosophy also enables him to meet client’s credit and borrowing needs. Through his many years in the industry, Patrick has helped countless clients address their financial needs and concerns and move successfully toward their goals.
Patrick resides in Safety Harbor and has been active in his community for years. In his free time, he enjoys golf, tennis, travelling and spending time with family and friends.
Securities Agent: CO, OH, NM, NJ, CT, NV, NC, MD, AZ, FL, SC, MN, MA, LA, IL, DE, WV, WI, VA, TN, NH, GA, NY, MI, AL, WA, CA, TX, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 521273
NMLS#: 521273
About Jeffrey Clements
Jeffrey has provided wealth management solutions and outstanding service for his clients since 1993. He is a Wealth Management Advisor and has earned the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. In addition, Jeffrey is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios and third-party investment strategies. When servicing clients through the firm's Modern Portfolio Solutions a Portfolio Manager may manage his strategies on a discretionary basis.
Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer.
Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer.
Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family and friends.
Priding himself in following a disciplined process, Jeffrey provides a comprehensive, customized wealth management solution for each client. His process begins by gaining a clear understanding of the client’s current financial situation and their financial goals as well as their risk tolerance, time horizon, cost considerations, liquidity needs and overall investment goals. He then works with them to create a customized strategy to help them work toward their short and long-term goals, taking into consideration diversification strategies to help reduce portfolio risk and vulnerability to market fluctuations. These strategies can include cash management solutions, retirement planning solutions, lending solutions, and estate planning strategies in concert with the clients’ attorneys to assist in wealth preservation and efficient wealth transfer.
Jeffrey believes that Wealth Management is not a product – that it is a disciplined financial management philosophy built from an objective point of view, designed to meet the unique financial goals of clients, whether those goals include income, growth, wealth preservation or wealth transfer.
Jeffrey lives in Lakeland with his wife Barbie. They enjoy spending time together with family and friends.
Securities Agent: FL, CT, WA, LA, VA, NV, MA, TN, OH, MD, AZ, SC, NY, DE, TX, OR, MN, MI, IN, NH, ME, CA, MT, WV, CO, AL, WI, PA, NM, NC, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 521741
NMLS#: 521741
About Veronica Sullivan
Veronica has extensive and varied experience in the financial services industry. She began her career with Merrill as a licensed client associate, soon-after moving into a senior financial analyst role within Merrill’s Private Banking and Investment Group. In 2016, she became a financial advisor and, most recently in 2021, joined The Harbor Legacy Group as a valuable part of their team.
Throughout her career, Veronica has been driven by a passion to deliver personalized, white glove client service. Many of the clients she works with are building businesses, medical practices, and expanding their professional careers. Veronica helps them look ahead to define their financial goals, then works with them to create a customized financial plan, including a strategic asset allocation tailored to achieving these goals. She often coordinates with outside accountants, attorneys, and other professional advisors to help her clients navigate unique estate planning situations and implement tax mitigation strategies.
Veronica earned a Bachelor’s degree from Florida State University. She is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional and holds the Qualified Plan Financial Consultant (QPFC) designation. Outside of work, her focus is on family: her husband, Kevin, a nurse anesthetist, and their two young children, Connor and Chloe. In her free time, she enjoys spending time with her family, playing tennis, boating, and kitesurfing.
NMLS #1537021
Throughout her career, Veronica has been driven by a passion to deliver personalized, white glove client service. Many of the clients she works with are building businesses, medical practices, and expanding their professional careers. Veronica helps them look ahead to define their financial goals, then works with them to create a customized financial plan, including a strategic asset allocation tailored to achieving these goals. She often coordinates with outside accountants, attorneys, and other professional advisors to help her clients navigate unique estate planning situations and implement tax mitigation strategies.
Veronica earned a Bachelor’s degree from Florida State University. She is a CERTIFIED FINANCIAL PLANNER® (CFP®) professional and holds the Qualified Plan Financial Consultant (QPFC) designation. Outside of work, her focus is on family: her husband, Kevin, a nurse anesthetist, and their two young children, Connor and Chloe. In her free time, she enjoys spending time with her family, playing tennis, boating, and kitesurfing.
NMLS #1537021
Securities Agent: SD, NV, MN, NE, MI, IN, FL, CO, SC, NY, VA, ME, MA, GA, NJ, MD, KS, AZ, TN, NM, MS, CT, WV, NC, MO, LA, DE, AL, WI, TX, PA, OH, KY, NH, IL, CA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1537021
NMLS#: 1537021
About Kevin Griffith
Kevin has enjoyed a diverse career path starting in the health insurance industry and transitioning into the financial services industry as a Financial Advisor with Merrill. In 2022, he transitioned to Morgan Stanley as a valuable member of his team, the Harbor Legacy Group.
As a Morgan Stanley financial advisor, Kevin focuses on working with businesses, business owners and multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach to managing wealth through all phases of life by analyzing the client’s current financial situation as well as their lifetime financial goals. Through understanding and quantifying those goals, he then helps clients create a customized wealth management plan to prioritize and pursue those goals.
Committed to excellent client service, Kevin prides himself on frequent client engagement, communicating insightful market perspectives, and identifying innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients. Kevin leverages an experienced and diverse team of advisors as well as investment insights from Morgan Stanley.
Kevin lives in Safety Harbor, Florida. Outside of work, he loves to cook, travel, play golf, tennis and pickleball and spend time with family and friends.
As a Morgan Stanley financial advisor, Kevin focuses on working with businesses, business owners and multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach to managing wealth through all phases of life by analyzing the client’s current financial situation as well as their lifetime financial goals. Through understanding and quantifying those goals, he then helps clients create a customized wealth management plan to prioritize and pursue those goals.
Committed to excellent client service, Kevin prides himself on frequent client engagement, communicating insightful market perspectives, and identifying innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients. Kevin leverages an experienced and diverse team of advisors as well as investment insights from Morgan Stanley.
Kevin lives in Safety Harbor, Florida. Outside of work, he loves to cook, travel, play golf, tennis and pickleball and spend time with family and friends.
Securities Agent: NC, OH, DE, VA, NY, MS, MI, IL, CO, WA, PA, ME, IN, GA, AZ, NM, MD, LA, FL, NH, MO, CA, WV, TX, SC, CT, NJ, NE, MA, KY, KS, WI, TN, NV, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1965635
NMLS#: 1965635
About Kyle Griffith, MBA
Kyle recently joined the Harbor Legacy Group. He began his career at the investment management firm BlackRock, working in institutional sales for 5 years in both their Princeton, NJ and San Francisco, CA offices. After his time at BlackRock, Kyle led sales teams at both early-stage and late-stage technology startup firms. Kyle earned a Bachelor of Science degree in Finance and Economics from Florida State University. He later went on to earn an MBA from the Bayes Business School at the University of London. He was born in Clearwater, FL and is currently residing in Dunedin, FL with his Bernedoodle Paddy. In his free time, Kyle enjoys golfing, biking, Kayaking, music, and cooking for friends and family.
Securities Agent: TN, IL, PA, IN, TX, NV, NM, MN, ME, CA, WA, VA, NC, MI, KS, OH, NH, MT, CO, AZ, NY, FL, LA, DE, CT, WI, SC, MD, MA, KY, AL, NJ, WV, NE, MS, MO, GA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2647557
NMLS#: 2647557
About Moriah Webb
Moriah is a registered Client Service Associate with our team, holding her Series 7 and Series 66 FINRA registrations. Originally from Valrico, FL, Moriah graduated from Florida State University with a degree in Marketing. She began her career at Florida State University in Event Administration and Donor Relations and, in 2019 transitioned into the financial services industry.
Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience.
Moriah currently lives in Tampa. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience.
Moriah currently lives in Tampa. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
About Jesse Babin
Jesse has extensive experience in the financial services industry. He brings a wealth of experience to the team, delivering customized service support to our clients as well as a high level of internal services to the advisor team. Born and raised just outside of New Orleans, Jesse lived there until he left for the Navy in 1990. Upon his departure from the Navy, he stayed in Virginia Beach where he worked in the insurance industry servicing active-duty military personnel and retirees with their civilian medical claims.
In 2000, Jesse was recruited to join UBS Financial Services in Atlanta where he worked in Operations and Compliance for the Wealth Management division. After moving to Morgan Stanley, he worked diligently to obtain his Series 7, Series 66, Life, Health and Variable Annuities Licenses which he used to service the same financial advisor for 21 years. In May of 2022, Jesse and his family relocated to Lakeland, Florida where he joined The Harbor Legacy Group at Morgan Stanley. He is committed to using his experience and knowledge to provide comprehensive, outstanding service to our clients and their families.
In 2000, Jesse was recruited to join UBS Financial Services in Atlanta where he worked in Operations and Compliance for the Wealth Management division. After moving to Morgan Stanley, he worked diligently to obtain his Series 7, Series 66, Life, Health and Variable Annuities Licenses which he used to service the same financial advisor for 21 years. In May of 2022, Jesse and his family relocated to Lakeland, Florida where he joined The Harbor Legacy Group at Morgan Stanley. He is committed to using his experience and knowledge to provide comprehensive, outstanding service to our clients and their families.
About Lisa Griffith
Lisa has worked in the financial services industry since 2013 and serves as Team Administrator for The Harbor Legacy Group. She is passionate about providing outstanding service support for her team’s clients and also provides internal organizational support for her advisor team members. Her focus includes marketing strategy/initiatives, website and social media support, event planning, client servicing and various team management responsibilities.
Lisa began her career as a Management Consultant specializing in economic impact studies and strategic planning with Booz, Allen & Hamilton both domestically and internationally. She also served as Marketing Manager for Latin America and the Caribbean for Citicorp and then worked as a Management Consultant in the planning division for URS/Greiner as well as independently for her own company LCG Consulting.
Lisa graduated from Florida State University with a degree in International Business and Spanish. She went on to earn a Master’s Degree in International Business from the University of South Carolina which included a working internship in brand/product management with Colgate Palmolive in Mexico City. Lisa has lived and travelled extensively throughout Latin America and the Caribbean and is conversant in Spanish. She lives in Safety Harbor with her family and, in her free time, enjoys hiking, kayaking, travel and spending time with family and friends.
Lisa began her career as a Management Consultant specializing in economic impact studies and strategic planning with Booz, Allen & Hamilton both domestically and internationally. She also served as Marketing Manager for Latin America and the Caribbean for Citicorp and then worked as a Management Consultant in the planning division for URS/Greiner as well as independently for her own company LCG Consulting.
Lisa graduated from Florida State University with a degree in International Business and Spanish. She went on to earn a Master’s Degree in International Business from the University of South Carolina which included a working internship in brand/product management with Colgate Palmolive in Mexico City. Lisa has lived and travelled extensively throughout Latin America and the Caribbean and is conversant in Spanish. She lives in Safety Harbor with her family and, in her free time, enjoys hiking, kayaking, travel and spending time with family and friends.
Contact Patrick Griffith
Contact Jeffrey Clements
Contact Veronica Sullivan
Contact Kevin Griffith
Contact Kyle Griffith, MBA
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Michael Johnson
Private Banker
About Michael Johnson
Michael Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
NMLS#: 982074
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Harbor Legacy Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
