Heath Harper, CPM®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(501) 221-6363(501) 221-6363
The Harper McLeod Group at Morgan Stanley
Direct:
(501) 221-6140(501) 221-6140
Toll-Free:
(844) 304-6363(844) 304-6363
Our Mission Statement
As your Financial Advisor, I will always put your interests first. I will work as your personal CFO to provide you with guidance, resources, and solutions necessary for you to achieve your financial goals and dreams.
About Us
The Harper McLeod Group of Morgan Stanley is an Arkansas-based Wealth Management Team that serves a select number of families and businesses. Our mission is to be the primary advisor for our clients as they build, protect, and distribute their wealth. Our commitment to this mission is demonstrated through three core principles:
Our Capabilities – Investments, Tax Effective and Estate Planning Strategies, Life Insurance, Long Term Care, Insurance, Lending, Trust Services
-Experience, collaboration, and determination allows for innovation and perspective
-An established risk and asset allocation framework results in outcome-based portfolios that are tied to our client’s stated objectives
-The ability to help deal with tax and estate issues provides a comprehensive view and fully integrates our client’s plans
Personal Service – Scheduled Review and Calls, Online Access and Support
-Working with a select number of clients ensures accessibility and responsiveness
-Ongoing communication based on timely, relevant information that is easy to act upon and helps you stay on track
-Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
Our clients experience the confidence that comes from having structure in their financial lives. They feel more connected and informed which can lead to a trusting relationship.
Our Capabilities – Investments, Tax Effective and Estate Planning Strategies, Life Insurance, Long Term Care, Insurance, Lending, Trust Services
-Experience, collaboration, and determination allows for innovation and perspective
-An established risk and asset allocation framework results in outcome-based portfolios that are tied to our client’s stated objectives
-The ability to help deal with tax and estate issues provides a comprehensive view and fully integrates our client’s plans
Personal Service – Scheduled Review and Calls, Online Access and Support
-Working with a select number of clients ensures accessibility and responsiveness
-Ongoing communication based on timely, relevant information that is easy to act upon and helps you stay on track
-Consistency and a client-centric, dedicated staff help create a caring, comfortable environment.
Our clients experience the confidence that comes from having structure in their financial lives. They feel more connected and informed which can lead to a trusting relationship.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Cash Management and Lending ProductsFootnote4
- Qualified Retirement PlansFootnote5
- Stock Option PlansFootnote6
- Estate Planning StrategiesFootnote7
- Business Succession PlanningFootnote8
- Defined Contribution PlansFootnote9
- Endowments and FoundationsFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Sustainable InvestingFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Tax Efficient Investment Management
We offer particular depth of experience in providing world-class investment services to our clients. We work closely with our clients to understand their investment goals, time horizon, risk profile and personal preferences to tailor a specific investment strategy that is customized for each client. From stock and bonds, to tax efficient managed money, hedging strategies and alternative investments, we have the experience and the access to Morgan Stanley’s renowned global resources to help our clients develop and maintain an optimal investment strategy.
Managing Income and Expense
We focus on taking a comprehensive approach to total balance sheet management, to help our clients feel confident they will have sufficient resources available to handle both the planned and unplanned events in their lives. We analyze each client’s net worth and their short- and long-term income and expenses to provide a range of investment and lending solutions to help them meet their needs, grow their core assets and ultimately reach their financial goals.
Leaving a Legacy
We offer clients access to highly trained and specialized professionals in the area of personal estate planning. We can work with the input from your tax and legal advisors to help you develop effective strategies for transitioning your wealth while minimizing the impact of taxes on your estate, exploring various charitable giving strategies, and providing comprehensive personal trust services.
We offer particular depth of experience in providing world-class investment services to our clients. We work closely with our clients to understand their investment goals, time horizon, risk profile and personal preferences to tailor a specific investment strategy that is customized for each client. From stock and bonds, to tax efficient managed money, hedging strategies and alternative investments, we have the experience and the access to Morgan Stanley’s renowned global resources to help our clients develop and maintain an optimal investment strategy.
Managing Income and Expense
We focus on taking a comprehensive approach to total balance sheet management, to help our clients feel confident they will have sufficient resources available to handle both the planned and unplanned events in their lives. We analyze each client’s net worth and their short- and long-term income and expenses to provide a range of investment and lending solutions to help them meet their needs, grow their core assets and ultimately reach their financial goals.
Leaving a Legacy
We offer clients access to highly trained and specialized professionals in the area of personal estate planning. We can work with the input from your tax and legal advisors to help you develop effective strategies for transitioning your wealth while minimizing the impact of taxes on your estate, exploring various charitable giving strategies, and providing comprehensive personal trust services.
Planning With The Harper McLeod Group
Chances are, that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process may encompass all the elements of your financial and personal life, making sure they align with your current goals and wealth management plan.
LifeView, Income Strategies, Wealth Transfer
-A thorough discovery process that helps us understand your goals and what truly matters to you
-Interactive LifeView® planning process that provides a roadmap towards your financial goals
-Provide you with the education to help simplify complex financial issues, which may help you avoid common mistakes
LifeView, Income Strategies, Wealth Transfer
-A thorough discovery process that helps us understand your goals and what truly matters to you
-Interactive LifeView® planning process that provides a roadmap towards your financial goals
-Provide you with the education to help simplify complex financial issues, which may help you avoid common mistakes
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions under IRS Rule 72(t).
The questionnaire below will help you get started to talking with us about creating a personalized strategy for your long-term goals.
View The Questionnaire HereLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions under IRS Rule 72(t).
The questionnaire below will help you get started to talking with us about creating a personalized strategy for your long-term goals.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results
We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View More HereWe are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Here
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Learn More HereMorgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning TodayDigital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
• Morgan Stanley Wealth Management
• Institutional Securities Group
• Investment Management
Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, expertise and global insight that we can offer you.
• Morgan Stanley Wealth Management
• Institutional Securities Group
• Investment Management
Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, expertise and global insight that we can offer you.
Morgan Stanley Online & MSMobile
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps. Enjoy features such as eAuthorizations, eDelivery and Total Wealth View.
Login To Morgan Stanley Online Today
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More Here
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Learn More About Total Wealth View Here
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital VaultCybersecurity at Morgan Stanley
Now more than ever, cybersecurity is an important part of our business at The Harper McLeod Group, as well as Morgan Stanley as a whole. We want to make sure you are comfortable with your assets being with us.
Take a look below at some of the steps we take to insure our clients' information is always safe.
Take a look below at some of the steps we take to insure our clients' information is always safe.
Morgan Stanley's Cybersecurity Brochure
As the threat landscape is constantly changing, we proactively defend and monitor our systems to help anticipate issues before they arise and respond appropriately when they do.
Our fraud prevention and cybersecurity program includes constant employee training, threat landscape monitoring, fusion resilience centers, and much more.
View The Full Cybersecurity Brochure HereOur fraud prevention and cybersecurity program includes constant employee training, threat landscape monitoring, fusion resilience centers, and much more.
Social Media Safety For Kids
The internet can be a risky playground for kids and teens. It’s important to educate them about how to engage with others online and explain what content is ok to share.
Watch The Video Here
How To Protect Your Mobile Phone
Your phone is the gateway to some of your most sensitive accounts. What is the most important thing you can do to help secure your device?
Watch Here
Password Security
Your passwords are the keys to your digital life. Learn how to create and store strong passwords to help safeguard your accounts and information.
Learn More HereLocation
2200 N Rodney Parham Rd
Ste 100
Little Rock, AR 72212
US
Direct:
(501) 221-6140(501) 221-6140
Toll-Free:
(844) 304-6363(844) 304-6363
Fax:
(501) 303-4108(501) 303-4108
Meet The Harper McLeod Group
Phone:
(501) 221-6385(501) 221-6385
Karen Greer
Associate Vice President, Group Director
Phone:
(501) 267-9627(501) 267-9627
Pam Truemper, Portfolio Associate
Phone:
(501) 221-6140(501) 221-6140
Kimberly Brady
Client Service Associate
Phone:
(501) 221-6344(501) 221-6344
About Heath Harper
Heath Harper, CPM®
Sr. Vice President
Portfolio Management Director
Financial Advisor
As Certified Portfolio Manager®, Heath is responsible for creating portfolios designed to navigate the ever-changing world and markets. His focus areas include new business relationships, investments, tax effective strategies, financial planning, and retirement income strategies. Through effective asset management, The Harper McLeod Group aims to improve our clients’ quality of life and help them reach their goals through all stages of life in all market conditions.
Heath joined Morgan Stanley in 1999 and currently serves as Senior Vice President, Senior Portfolio Manager, Financial Advisor, and is the Team’s founding member. He successfully managed the Arkansas Complex of Morgan Stanley from 2005 to 2009. Heath began his career with Tyson Foods in the External Financial Reporting Department and helped put together their consolidated financial statements. He graduated in 1997 from the University of Arkansas at Fayetteville with a BSBA in Accounting.
Mr. Harper was honored as a National Director Award winner at Morgan Stanley in 2001 and is a former Board of Directors member for the Little Rock Chamber of Commerce. He volunteers as a speaker for Invest It Forward™ Stock Market Game in local schools, is a member of the Board of Governors at Chenal Country Club and is a member of Central Arkansas Executive Association. He and his wife, Brooke, reside in Little Rock with their sons Finch, Ellis, and Hayes. Heath enjoys traveling and outdoor activities, but his passion is golf.
NMLS# 1401610 AR Ins Lic #3392406
Direct: 501-221-6363
Text: 501-300-8645
heath.harper@morganstanley.com
theharpergroup@morganstanley.com
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC, member SIPC.
CRC 5436321 02/2023
Sr. Vice President
Portfolio Management Director
Financial Advisor
As Certified Portfolio Manager®, Heath is responsible for creating portfolios designed to navigate the ever-changing world and markets. His focus areas include new business relationships, investments, tax effective strategies, financial planning, and retirement income strategies. Through effective asset management, The Harper McLeod Group aims to improve our clients’ quality of life and help them reach their goals through all stages of life in all market conditions.
Heath joined Morgan Stanley in 1999 and currently serves as Senior Vice President, Senior Portfolio Manager, Financial Advisor, and is the Team’s founding member. He successfully managed the Arkansas Complex of Morgan Stanley from 2005 to 2009. Heath began his career with Tyson Foods in the External Financial Reporting Department and helped put together their consolidated financial statements. He graduated in 1997 from the University of Arkansas at Fayetteville with a BSBA in Accounting.
Mr. Harper was honored as a National Director Award winner at Morgan Stanley in 2001 and is a former Board of Directors member for the Little Rock Chamber of Commerce. He volunteers as a speaker for Invest It Forward™ Stock Market Game in local schools, is a member of the Board of Governors at Chenal Country Club and is a member of Central Arkansas Executive Association. He and his wife, Brooke, reside in Little Rock with their sons Finch, Ellis, and Hayes. Heath enjoys traveling and outdoor activities, but his passion is golf.
NMLS# 1401610 AR Ins Lic #3392406
Direct: 501-221-6363
Text: 501-300-8645
heath.harper@morganstanley.com
theharpergroup@morganstanley.com
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC, member SIPC.
CRC 5436321 02/2023
Securities Agent: CT, MI, MS, MD, LA, IA, DE, NY, NE, MO, GA, AL, CA, NJ, KS, WI, FL, AZ, TX, SC, NM, MN, MA, IN, IL, HI, AR, AK, VA, PA, NC, KY, WV, TN, NV, DC, OR, OH, ME, VT, OK, NH, ND, CO, WA, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1401610
AR Insurance License #: 3392406
NMLS#: 1401610
AR Insurance License #: 3392406
About Scott McLeod
Scott McLeod, CFP®, is a Senior Vice President and Wealth Advisor for The Harper McLeod Group at Morgan Stanley. A veteran of the financial services industry since 1997, Scott offers financial planning, retirement and estate planning strategies, investment advice, insurance, and access to lending services to a select group of individuals.
Scott has been a member of Morgan Stanley’s President’s Club since 2001 and is listed on the Barron’s List of Top 1000 Financial Advisors. Given his extensive education and experience working with both businesses and individuals, Scott offers clients a combination of knowledge, dedication, and service. Scott graduated from Southern Methodist University with a Bachelor’s Degree in Economics and a minor in Business.
Scott grew up in Little Rock, Arkansas, and spent seventeen years in Dallas, Texas, before moving back home in 1997 to work with his father, George McLeod. George was a Senior Vice President and a 40 year veteran in the investment business. Scott is a member of the Rotary Club of Little Rock, The Financial Planners Association, past Board Member of The Metropolitan YMCA, The Centers for Youth and Families, and CARTI. When away from the office, Scott enjoys reading, golfing, and spending time with his daughters, Maggie and Emily.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2010) Data compiled by Barron's based on time period from Sept 2008 - Sept 2009.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2012) Data compiled by Barron's based on time period from Sept 2010 - Sept 2011.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2013) Data compiled by Barron's based on time period from Sept 2011 - Sept 2012.
Scott has been a member of Morgan Stanley’s President’s Club since 2001 and is listed on the Barron’s List of Top 1000 Financial Advisors. Given his extensive education and experience working with both businesses and individuals, Scott offers clients a combination of knowledge, dedication, and service. Scott graduated from Southern Methodist University with a Bachelor’s Degree in Economics and a minor in Business.
Scott grew up in Little Rock, Arkansas, and spent seventeen years in Dallas, Texas, before moving back home in 1997 to work with his father, George McLeod. George was a Senior Vice President and a 40 year veteran in the investment business. Scott is a member of the Rotary Club of Little Rock, The Financial Planners Association, past Board Member of The Metropolitan YMCA, The Centers for Youth and Families, and CARTI. When away from the office, Scott enjoys reading, golfing, and spending time with his daughters, Maggie and Emily.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2010) Data compiled by Barron's based on time period from Sept 2008 - Sept 2009.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2012) Data compiled by Barron's based on time period from Sept 2010 - Sept 2011.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2013) Data compiled by Barron's based on time period from Sept 2011 - Sept 2012.
Securities Agent: MO, AZ, PA, VA, OK, GA, FL, AL, TN, NM, MI, MD, IL, CA, TX, CO, MS, MN, IN, DC, VI, MA, AR, WA, NC, LA, SC, OH, ID, VT, NJ, ME, KY, KS, IA, HI, DE, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1443745
AR Insurance License #: 1342357
NMLS#: 1443745
AR Insurance License #: 1342357
About Karen Greer
Karen Greer
Associate Vice President
Group Director
Morgan Stanley Wealth Management
As Group Director, Karen shares our Team’s passion, knowledge, and experience with our clients so that they may minimize their financial concern. Her focus areas include wealth management, financial planning, retirement income strategies, and she specializes in corporate services (retirement and stock option plans).
Karen joined Morgan Stanley in December 2005 and currently serves as Associate Vice President and Group Director for the Harper McLeod Group. Prior to her current role, Ms. Greer was employed at Stephens Inc. for nine years. She graduated from the University of Arkansas at Little Rock in 1996 with a Bachelor of Business Administration in Finance.
Ms. Greer is a past President of the Junior League of North Little Rock and is currently on the Board of CareLink and Dunbar Garden. She also volunteers as a speaker for Invest It Forward™ Stock Market Game in local schools. Karen and her son, Charlie, live in Little Rock. She enjoys weekends at the lake, horse racing, college football, traveling, and spending time with family and friends.
NMLS #1462853 AR Ins Lic #7668729
Phone: 501 267 9627
karen.greer@morganstanley.com
theharpergroup@morganstanley.com
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC, member SIPC.
Associate Vice President
Group Director
Morgan Stanley Wealth Management
As Group Director, Karen shares our Team’s passion, knowledge, and experience with our clients so that they may minimize their financial concern. Her focus areas include wealth management, financial planning, retirement income strategies, and she specializes in corporate services (retirement and stock option plans).
Karen joined Morgan Stanley in December 2005 and currently serves as Associate Vice President and Group Director for the Harper McLeod Group. Prior to her current role, Ms. Greer was employed at Stephens Inc. for nine years. She graduated from the University of Arkansas at Little Rock in 1996 with a Bachelor of Business Administration in Finance.
Ms. Greer is a past President of the Junior League of North Little Rock and is currently on the Board of CareLink and Dunbar Garden. She also volunteers as a speaker for Invest It Forward™ Stock Market Game in local schools. Karen and her son, Charlie, live in Little Rock. She enjoys weekends at the lake, horse racing, college football, traveling, and spending time with family and friends.
NMLS #1462853 AR Ins Lic #7668729
Phone: 501 267 9627
karen.greer@morganstanley.com
theharpergroup@morganstanley.com
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC, member SIPC.
Contact Heath Harper
Contact Scott McLeod
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
Grace Kennedy
Planning Associate
About Grace Kennedy
Grace Kennedy is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Grace provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Grace is originally from Johns Creek, Georgia and currently resides in Johns Creek, Georgia.
She earned her undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Grace is originally from Johns Creek, Georgia and currently resides in Johns Creek, Georgia.
Wealth Management
From Our Team
Investing with Impact
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Harper McLeod Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
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
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’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.
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
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
