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
Patrick Griffith, CRPC®Jeffrey Clements, CFP®Veronica Sullivan, CFP®, QPFCKevin GriffithKyle Griffith, MBAMoriah WebbJesse BabinLisa Griffith, MBA
Direct:
(727) 773-4691(727) 773-4691
Direct:
(863) 499-1521(863) 499-1521
Our Mission Statement
The Harbor Legacy Group
was built on the belief that
wealth should serve a greater purpose:
peace of mind, impact and legacy.
“Where strategic insight meets enduring legacy”
was built on the belief that
wealth should serve a greater purpose:
peace of mind, impact and legacy.
“Where strategic insight meets enduring legacy”
Our Story and Services
The Harbor Legacy Group is a premier wealth management team dedicated to addressing every aspect of our clients’ financial needs. We strive to simplify and enhance the financial lives of our clients, allowing them to focus on what they value most and live the lives they envision.
Our clients include high-net-worth individuals, multi-generational families, business owners, and corporate executives throughout the country – all of whom value our team's strategic insight, collaborative approach, and long-term partnership. Focused on building strong, enduring multi-generational relationships, we take great pride in now guiding the children and grandchildren of our clients as they plan for their own financial futures.
Working with us means you’ll have a team of highly qualified advisors committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. Through disciplined planning and personalized guidance, we work with each client to clearly define their goals, develop a comprehensive, tailored wealth management strategy, and monitor progress and adjust their strategy as the inevitable changes in life occur. The experience, knowledge, and integrity of our team transforms the often-overwhelming process of planning for the future into a clear, empowering and rewarding journey.
Our clients include high-net-worth individuals, multi-generational families, business owners, and corporate executives throughout the country – all of whom value our team's strategic insight, collaborative approach, and long-term partnership. Focused on building strong, enduring multi-generational relationships, we take great pride in now guiding the children and grandchildren of our clients as they plan for their own financial futures.
Working with us means you’ll have a team of highly qualified advisors committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. Through disciplined planning and personalized guidance, we work with each client to clearly define their goals, develop a comprehensive, tailored wealth management strategy, and monitor progress and adjust their strategy as the inevitable changes in life occur. The experience, knowledge, and integrity of our team transforms the often-overwhelming process of planning for the future into a clear, empowering and rewarding journey.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Structured ProductsFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Business Succession PlanningFootnote8
- Corporate Retirement PlansFootnote9
- Retirement PlanningFootnote10
- 401(k) Rollovers
- Planning for Education FundingFootnote11
- Cash Management and Lending ProductsFootnote12
- AnnuitiesFootnote13
- Fixed IncomeFootnote14
- Life InsuranceFootnote15
- Long Term Care InsuranceFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Harbor Legacy Advantage
Smart wealth management begins and ends with tailored service and attention to detail. We focus on working with families and business owners who seek long-term, fully engaged relationships with their advisors and believe the following designations and offerings 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, Veronica, and Kevin hold the Alternative Investments Director designation at Morgan Stanley, enabling them 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 three Alternative Investments Directors. From investment management to estate planning and everything in between, we provide the solutions needed to help 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 grow so that you are able to live the lifestyle you envision.
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 Four Step Process
The Harbor Legacy Group employs an intentional, disciplined approach to managing our clients’ wealth. We take the time to get to know each client and work closely with them to design a customized wealth management strategy to best meet their needs.
1. Discovery
We believe that truly effective wealth management begins with a deep understanding of our clients on a personal level. That’s why we start with a thoughtful conversation focused on what matters most to you – your goals, values and vision for the future. We take the time to explore your unique concerns, priorities, risk tolerance time horizon, liquidity needs, and overall financial situation. This client-centered approach allows us to create a highly customized, actionable plan to help you more effectively work toward achieving your goals.
2. Strategy Development
Leveraging advanced financial planning tools and the insights we have gathered through our comprehensive discovery process, we design a customized investment strategy tailored to your unique needs. Our approach integrates investment management, retirement planning, estate and legacy planning, tax efficiency, business succession planning, and risk management. Together, these strategies are designed to help you grow and preserve your wealth and, if desired, transfer it to future generations.
3. Presentation & Implementation
Once your personalized strategy is developed, we present it to you in detail – ensuring you fully understand the strategy and that you are comfortable with every component. We welcome your input and make any necessary adjustments before moving forward. Upon your approval, we initiate the account opening process and begin implementing your investment plan.
Whether you’re focused on capital preservation, growth, income, or legacy planning, our team is committed to ensuring every portfolio decision supports your long-term objectives.
Whether you’re focused on capital preservation, growth, income, or legacy planning, our team is committed to ensuring every portfolio decision supports your long-term objectives.
4. Ongoing Service
Life evolves, and so should your financial plan. We proactively monitor your strategy and conduct regular reviews to ensure it remains aligned with your goals. Our team is committed to providing consistent, high-quality service throughout our relationship. Through frequent communication and reviews, we work closely with you to make timely adjustments to your strategy as the inevitable changes in life occur.
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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.
Learn More
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.
Learn More
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, manage unrealized gains 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 been delivering wealth management solutions since 1993, including six years as a producing branch manager. He earned the title of Portfolio Management Director, which allows him to design and manage customized investment strategies tailored to each client’s needs. In addition, he serves as an Alternative Investments Director at Morgan Stanley, providing clients with insight, guidance and thought leadership in this specialized asset class. Patrick also holds the Chartered Retirement Planning Counselor CRPC® designation, awarded by the College of Financial Planning. He is a graduate of the Wharton School of Business of the University of Pennsylvania and earned his Master of Science degree 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 relationships that span generations and takes great pride in working with the children and grandchildren of many of his original clients.
Understanding the demands on his clients’ time, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, retirement and education planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, intergenerational wealth transfer, and lending solutions. Through his many years in the industry, Patrick has helped countless clients address their financial needs and concerns and move confidently toward their goals.
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 relationships that span generations and takes great pride in working with the children and grandchildren of many of his original clients.
Understanding the demands on his clients’ time, Patrick works to simplify and organize their financial lives. He provides assistance in the areas of equity and fixed income investing, retirement and education planning, estate planning services in conjunction with clients’ CPAs and attorneys, life insurance analysis, intergenerational wealth transfer, and lending solutions. Through his many years in the industry, Patrick has helped countless clients address their financial needs and concerns and move confidently toward their goals.
Securities Agent: TX, PA, OH, DC, SC, MN, MA, LA, IL, DE, WV, WI, VA, TN, NH, GA, NY, MI, AL, WA, CA, FL, CO, NM, NJ, CT, NV, NC, MD, AZ; 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: AL, GA, NJ, MD, KS, AZ, WA, SD, NV, MN, WV, NC, MO, LA, DE, WI, TX, PA, OH, KY, NH, IL, CA, DC, TN, NM, MS, CT, NE, MI, IN, FL, CO, SC, NY, VA, ME, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1537021
NMLS#: 1537021
About Kevin Griffith
Kevin began his career in the health insurance industry, where he developed a strong foundation in client service and financial analysis. He transitioned into the wealth management field, starting as a Financial Advisor at Merrill and, in 2022, joined Morgan Stanley as a key member of the Harbor Legacy Group.
Kevin focuses on serving business owners, entrepreneurs, and multi-generational families, helping them simplify and strengthen their financial lives. He delivers a goals-based approach to managing wealth – analyzing each client’s current financial situation alongside their long-term objectives. With a clear understanding of those goals, Kevin builds customized wealth management strategies to help clients prioritize and pursue what matters most throughout every stage of life.
Known for his commitment to exceptional client service, Kevin emphasizes proactive communication, insightful market perspectives, and innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients and draws on the experience of a collaborative advisory team, supported by the broad resources and investment insights of Morgan Stanley.
Kevin earned a degree in Finance from Florida State University and holds the title of Alternative Investments Director at Morgan Stanley. He lives in Safety Harbor, Florida. Outside of the office, Kevin enjoys cooking, traveling, playing golf, tennis and pickleball, and spending time with family and friends.
Kevin focuses on serving business owners, entrepreneurs, and multi-generational families, helping them simplify and strengthen their financial lives. He delivers a goals-based approach to managing wealth – analyzing each client’s current financial situation alongside their long-term objectives. With a clear understanding of those goals, Kevin builds customized wealth management strategies to help clients prioritize and pursue what matters most throughout every stage of life.
Known for his commitment to exceptional client service, Kevin emphasizes proactive communication, insightful market perspectives, and innovative investment solutions. He is passionate about building strong and enduring relationships with each of his clients and draws on the experience of a collaborative advisory team, supported by the broad resources and investment insights of Morgan Stanley.
Kevin earned a degree in Finance from Florida State University and holds the title of Alternative Investments Director at Morgan Stanley. He lives in Safety Harbor, Florida. Outside of the office, Kevin enjoys cooking, traveling, playing golf, tennis and pickleball, and spending time with family and friends.
Securities Agent: MD, MO, NJ, NE, MA, KY, KS, WI, TN, NV, DC, AL, VA, NY, MS, MI, IL, CO, OH, WA, PA, ME, IN, GA, AZ, NM, LA, FL, NC, DE, CA, WV, TX, SC, CT, MN, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1965635
NMLS#: 1965635
About Kyle Griffith, MBA
Kyle works closely with business owners, high-net-worth individuals, and multigenerational families who seek a full-service, comprehensive approach to financial planning. He is deeply committed to delivering thoughtful, detail-oriented guidance through holistic financial planning, in-depth analysis and the construction of customized investment portfolios designed to align with each client’s unique goals.
Kyle joined the Harbor Legacy Group in 2024, bringing with him a diverse background in investment management and sales leadership. He began his career at BlackRock, where he spent five years as an investment management consultant, serving clients from the firm’s offices in Princeton, NJ and San Francisco, CA. Following his time at BlackRock, Kyle led sales teams at both early-stage and late-stage technology startups, gaining experience at the intersection of innovation and finance.
He earned a Bachelor of Science degree in Finance and Economics from Florida State University and later went on to earn an MBA from the Bayes Business School at the University of London. Born in Clearwater, FL, Kyle now resides in Dunedin with his wife Jenn and his Bernedoodle Paddy. In his free time, he enjoys golfing, biking, kayaking, music, and cooking for friends and family.
Kyle joined the Harbor Legacy Group in 2024, bringing with him a diverse background in investment management and sales leadership. He began his career at BlackRock, where he spent five years as an investment management consultant, serving clients from the firm’s offices in Princeton, NJ and San Francisco, CA. Following his time at BlackRock, Kyle led sales teams at both early-stage and late-stage technology startups, gaining experience at the intersection of innovation and finance.
He earned a Bachelor of Science degree in Finance and Economics from Florida State University and later went on to earn an MBA from the Bayes Business School at the University of London. Born in Clearwater, FL, Kyle now resides in Dunedin with his wife Jenn and his Bernedoodle Paddy. In his free time, he 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 the Harbor Legacy Group, 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.
Known for her outstanding work ethic and positive attitude, Moriah cheerfully addresses a wide range of administrative requests for our clients 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. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
Known for her outstanding work ethic and positive attitude, Moriah cheerfully addresses a wide range of administrative requests for our clients 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. 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
Hear From Our Clients
We can’t say enough about how pleased we are to work with Patrick and his entire team. The professionalism and courtesy they demonstrate makes it easy to refer them as trusted advisors. We have been clients for several years and fully trust their guidance and judgment.
Pat has great advice on investment and tax strategies and will do research on a topic if he is not 100 percent confident. We appreciate that extra effort and look forward to our continued relationship with the team.
Jeff
Verified ClientAugust 3, 2025
Pat, Kevin, Veronica and Kyle have skillfully guided me through every stage of my financial journey - from retirement planning and college savings, to managing a thoughtful, well-constructed investment portfolio. They’ve consistently provided clear, personalized advice rooted in a deep understanding of my goals and values. What sets this team apart is their personal touch; they’re not just financial advisors, they’re trusted advisors who genuinely care about my family’s future and well-being.
Jen
Verified ClientAugust 3, 2025
When you work with someone for 37 years, they become family. That’s what my advisor team is to me! My journey to financial success began as a friendship with Pat and Lisa, which developed into a bond that is still strong today. As their team grew, so did my trust. Over the years, the entire team has provided me with insightful financial advice-helping me plan for my children's college, constructing a well-managed portfolio and giving me confidence as I near retirement. I am forever grateful!
Karen
Verified ClientAugust 3, 2025
This team is exceptional to work with! I was referred to Patrick by a friend-one of the best things that could have happened to me. He has provided solid advice and was extremely helpful and supportive after the loss of my mother and in establishing the settlement accounts for myself and my developmentally disabled sister. The team, especially Veronica, is always there to answer questions and keeps me calm during market volatility. I feel they truly care about me personally and professionally.
Patricia
Verified ClientJuly 29, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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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
Emily Najjar, CFP®
Vice President, Financial Planning Director
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
About Emily Najjar, CFP®
Emily Najjar is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Tampa Bay Market. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Emily began her career in financial services in 2016 and joined Morgan Stanley in 2024. Prior to her current position, she was a senior financial advisor at Merrill Lynch and helped individuals, families, and businesses achieve their goals through financial planning.
Emily graduated from Niagara University with a Bachelor of Science and holds her CERTIFIED FINANCIAL PLANNER™ designation. Outside of work, Emily enjoys playing the guitar, reading, and exploring new and inspiring destinations through travel.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Emily began her career in financial services in 2016 and joined Morgan Stanley in 2024. Prior to her current position, she was a senior financial advisor at Merrill Lynch and helped individuals, families, and businesses achieve their goals through financial planning.
Emily graduated from Niagara University with a Bachelor of Science and holds her CERTIFIED FINANCIAL PLANNER™ designation. Outside of work, Emily enjoys playing the guitar, reading, and exploring new and inspiring destinations through travel.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
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 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.
10When 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.
11When 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.
12Morgan 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
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Morgan 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.
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 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.
10When 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.
11When 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.
12Morgan 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
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
