The Harbor Legacy Group at Morgan Stanley

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.

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: (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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 allows you to seamlessly and securely manage your investments and everyday finances in one place.

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.

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.

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.

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.

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.

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.