Our Story and Services

In today’s fast-paced and tumultuous world, few people have the time or resources necessary to effectively and proactively manage their own investments. As firm believers in the Family Wealth Management philosophy, we are dedicated to helping clients build, grow, & preserve their wealth through our custom portfolio management strategies. In today’s increasingly dynamic and complicated markets – our disciplined investment process is designed to withstand the ever changing market conditions that can impact your financial goals.

We seek to provide our clients a living wealth management plan that offers them the ability to take care of themselves, provide for their families, and have an impact in their charitable passions. We believe the market produces the material goods necessary to allow people to do the higher things in life.
Services Include
  • Professional Portfolio Management1
  • Financial Planning2
  • Retirement Planning3
  • Cash Management4
  • Business Succession Planning5
  • Qualified Retirement Plans6
  • Estate Planning Strategies7
  • Philanthropic Services
  • Long Term Care Insurance8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Ten Investment Principles

Working With You

Morgan Stanley has developed widespread capabilities to help address the many fundamentals of wealth planning. In addition to our group, you also have direct access to a team of dedicated professionals, from experienced trust and estate planning professionals, to Private Bankers, to insurance and long term care analysts, all working together to help develop an integrated financial plan tailored to your unique circumstances. All working closely together, we can establish the appropriate course of action to help you achieve the financial well-being you seek.

Our method is the same for all of our clients: we work closely with them to help articulate their goals and aspirations for themselves, their loved ones, and their businesses. Then we thoughtfully create a wealth management strategy based on their objectives being mindful of risk mitigation, tax issues, and changing economic conditions. We regularly review portfolios with our clients to make sure that their plans are on track towards their goals.

Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.

    Location

    6101 Carnegie Blvd
    Charlotte, NC 28220
    US
    Direct:
    (704) 331-2202(704) 331-2202
    Toll-Free:
    (866) 219-3101(866) 219-3101

    Meet The Harbor Oak Group

    About Me

    Mike has spent the past 10+ years with Morgan Stanley and its predecessor firms advising high net worth families and their businesses on wealth management, financial planning, & investment management strategies.  Prior to Morgan Stanley, he served as a Financial Advisor with Ameriprise Financial in Charlotte after originally being introduced to the business as a college intern with Merrill Lynch in Columbia, SC.  

    Mike holds the Chartered Retirement Planning Counselor designation from the College for Financial Planning and received his under-graduate degree in Finance from The Darla Moore School of Business at the University of South Carolina in Columbia.  He focuses on retirement income planning and serves as Co-Portfolio Manager for Harbor Oak’s portfolio management strategies.

    Mike is involved with the National Eagle Scout Association as well as the Carolina Area Resource Team, providing assistance to local active military personnel and their families.

    Mike lives in Tega Cay, SC with his wife, Jennifer, & their three children, William, Christopher, & Annabelle.
    Securities Agent: NC, WI, WA, VA, TX, TN, SC, OH, NY, NJ, ND, MN, ME, MD, MA, KY, KS, IA, GA, FL, CO, CA, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
    NMLS#: 1418736

    About Me

    Gray joined Morgan Stanley in 2010 after his prior positions with UBS Financial Services and Ameriprise Financial. He has over a decade of experience advising business owners and high net worth clients with their wealth & investment management needs.

    Gray graduated from The Walker College of Business at Appalachian State University with a BS in Finance and a concentration in Financial Planning.  He is accredited with the Senior Portfolio Manager designation and serves as a Co-Portfolio Manager for Harbor Oak’s  equity and fixed income portfolio strategies.

    Gray is the past president of the Charlotte Kiwanis Club, the current Treasurer for St. Luke's Lutheran Church, and sits on the Professional Advisory Cabinet for the Foundation for the Carolinas.

    Gray lives in Charlotte with his wife, Amanda, and their two children, Katie and Keever.
    Securities Agent: NC, WI, WA, VA, TX, TN, SC, OH, NY, NJ, ND, MN, ME, MD, MA, KY, KS, IA, GA, FL, CO, CA, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
    NMLS#: 1622252

    About Me

    Tony has been with Morgan Stanley and its predecessor firms for over 30 years.   He originally started his career in the securities business with J.C. Bradford & Co. back in 1986.  

    Tony graduated from the University of North Carolina Charlotte with a BS in Business with a concentration in Finance as well as a MBA.  He is accredited by the firm as a Portfolio Management Director and focuses on retirement planning, bespoke investment strategies, as well as Co-Portfolio manager for Harbor Oak’s tailored equity and fixed income strategies.   

    Tony is involved with his church, The Central Church of God, Charlotte, NC.  He also serves at the Union County Community Shelter in Monroe, NC.  He is a lifetime member of the National Rifle Association and the NC Custom Knife Makers Guild.
    Tony lives in Unionville, with his wife Johnna.  They have four grown children and three grandchildren, Melody, Benson, and Emmanuel.
    Securities Agent: NC, WI, WA, VA, TX, TN, SC, OH, NY, NJ, NH, ND, MN, MI, ME, MD, MA, KY, KS, IA, HI, GA, FL, CO, CA, AZ; General Securities Representative; Investment Advisor Representative

    About Me

    Amanda joined Morgan Stanley in 2011 and currently holds her Series 7 and 66 licenses as a Registered Associate with our team.

    Amanda supports our clients and Financial Advisors in all facets of the operational and administrative aspects of our business.  She focuses on and enjoys providing outstanding service to our wealth management clients.

    Amanda was born and raised in Ohio, where she received a Bachelor of Fine Arts at The Ohio State University.  In 2014, she relocated to Charlotte with her family where they currently reside.

    About Me

    Hilary joined the Harbor Oak Group in 2017 after a brief assignment as a Marketing & Compliance Analyst with Reliance Trust Company in Atlanta.  Prior to that she worked as a Client Associate at Merrill Lynch in Charlotte.

    Hilary provides operational and administrative support to our Financial Advisors, and facilitates exceptional service to our private wealth clients.

    She has a Bachelor of Science degree in Business Administration with a concentration in Marketing from Auburn University.  She is originally from Jacksonville, FL and currently resides in Charlotte, NC.

    About Me

    Johnna joined Morgan Stanley in 2014 but she has been around the business supporting her husband, Tony for the last 30 years.

    Johnna provides operational and administrative support for our clients focusing on computer operations and communications.

    She has a Bachelor of Fine Arts from Ringling School of Art and Design.  She is a native of Charlotte, North Carolina and currently lives in Unionville with her husband.  Johnna is very actively involved with her church and she enjoys cooking and serving at the Union County Community Shelter.  For the past 20 years she has volunteered and supported the HELP Crisis Pregnancy Center in Monroe. 
    From Our Team

    Asset Allocation - Pie in the Sky

    Retirement

    Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
    • 401(k) Rollovers
    • IRA Plans
    • Retirement Income Strategies
    • Retirement Plan Participants
    • Annuities
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

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

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.
    • Asset Management
    • Wealth Planning
    • Traditional Investments
    • Alternative Investments
    • Impact Investing
    Five Smart Strategies to Use a Bonus or Raise

    Five Smart Strategies to Use a Bonus or Raise

    Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

    Family

    Creating customized financial strategies for the challenges that today's families face.
    • Estate Planning Strategies
    • 529 Plans / Education Savings Planning
    • Long Term Care Insurance
    • Special Needs Planning
    • Trust Services
    Financial Transition: A Guide for Women

    Financial Transition: A Guide for Women

    Here's how to take control of your finances if a death or divorce leaves you holding the reins.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    6 Keys to Building a Startup

    6 Keys to Building a Startup

    Entrepreneurs share ideas and learnings from the experience of starting a company.

    Philanthropy

    Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing
    A New Roadmap for Mission Alignment

    A New Roadmap for Mission Alignment

    Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

    More from Morgan Stanley

    Consolidate Your Cash at a Competitive Rate

    Consolidate Your Cash at a Competitive Rate

    2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
    Learn more about Consolidate Your Cash at a Competitive Rate
    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and Justin Rose: A Winning Team

    Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
    Learn more about Morgan Stanley and Justin Rose: A Winning Team
    Your Financial World. On the Go.

    Your Financial World. On the Go.

    With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
    Learn more about Your Financial World. On the Go.
    Reserved | Living & Giving

    Reserved | Living & Giving

    Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
    Learn more about Reserved | Living & Giving
    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Access Morgan Stanley Online

    Access Morgan Stanley Online

    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    Ready to start a conversation? Contact The Harbor Oak Group today.
    Market Information Delayed 20 Minutes
    1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

    2Morgan 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.

    3Morgan 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.

    4Morgan 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

    5Morgan 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.

    6Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    7Morgan 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.

    8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

    Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

    Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

    The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

    *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


    CRC 2019752 10/2018