The Pacific Highland Group at Morgan Stanley

Beginning in 1980 at a financial planning firm, Bill soon realized that his clients needed the breadth of services offered by a major investment firm and joined Merrill Lynch. From there, he moved to a predecessor firm of Wells Fargo Advisors, was recognized for his 40 years’ tenure, and then recently moved to Morgan Stanley.

Bill comes from a military family, and followed his Air Force father all over the world. They settled in Alabama, where Bill graduated from Auburn University. He earned his CFP certification in the 1980’s and his CIMA designation in 2003. Bill provides comprehensive investment planning with a view to helping clients meet their important objectives, such as college education, retirement, and wealth preservation. He especially enjoys working with families, and has been a trusted advisor for as many as five generations of some families. With 40 years’ experience he looks forward to continuing to help retirees and business owners for many years to come.

Bill doesn’t golf so he spends his time on local non-profit boards such as Neighborhood Healthcare, Arch Healthcare, Salvation Army, Advisory Board in Escondido, the treasurer for the Escondido Rotary Club, and previous board char of Alzheimer’s San Diego. After experiencing Alzheimer’s in their own family, Bill and his wife Wanda were involved in the development of the first Alzheimer’s non-profit in San Diego in the 1980’s. Bill enjoyed hooking all the Southern California Mountains when he served as scoutmaster with his sons’ Boy Scout troop.

A highlight of Bill’s career was when his daughter Amber Smith, Financial Advisor, joined the practice in 2012. He and his wife Wanda have sons, York and Eric, who live in Silicon Valley. Bill and his wife enjoy travelling and playing with their six grandchildren as often as they can.

Amber provides holistic investment and retirement planning within the context of multi-generational wealth management and estate investment planning. She is the practice manager. She also advises in the area of liability management and faculties integrating business needs into a complete personal financial picture.

With the encouragement of her long tenure financial advisor father, she joined the practice in 2012. Her background in organizational systems and processes helps keep the team focused on serving clients.

Amber’s passion for learning and drive for achievements led her to a private high school, La Jolla Country Day. After many college visits, she decided on U.C. Davis and after two years in Neurobiology, Psychology, and Behavioral in addition to engineering level math, be completed her B.A. in Philosophy and an emphasis on Logic. For eight years she worked full time and moved up the ranks in one of the “Fortune 500’s Top Companies to Work for.” She also spent a year facilitating an English language exchange program living overseas.

Amber spends most of her time with her family and especially enjoys trips with her little one to the San Diego Zoo, Safari Park, Disneyland, and Children’s Museum. She is an active and passionate member of the Rady Children’s Hospital North County, community groups, and professional estate planning councils. She enjoys cooking adventurous food and traveling extensively. Her Favorite travel destinations include: Turkey, Israel, Europe, and the Dominican Republic. She speaks Spanish and Turkish.

Michael Andreotti works with multiple generations of families to achieve long-term investment and retirement income goals. He specializes in tax-advantaged investment solutions including municipal bond portfolios as well as being a Portfolio Manager.

For over 25 years, Mike has helped families approaching retirement and those inheriting from parents. He manages portfolios for growth and for income. His acumen for research, asset allocation, and tactical portfolio strategies has gained the trust of as many as four generations of client families. He understands municipal bonds, dividend paying stocks, growth funds, and can take a tax-savvy approach to building your investment portfolio to meet long-term goals and needs.

Mike began his career in 1994 as a Financial Advisor specializing in fixed-income. He has helped clients through numerous market cycles and inflationary periods. With his team at Morgan Stanley he looks to deliver sophisticated risk analysis, financial planning services, and investment advice and guidance with the over 200 families he works with. He has been a Certified Financial Planner for over 10 years.

Born in Minnesota, Mike moved to sunny southern California to pursue his degree at San Diego State. He now lives in Lakeside with his wife Kimberly, and their four children and two grandkids. They all play tennis and golf, and enjoy beach camping and hiking together.