The Pine Harbor Group at Morgan Stanley

Christopher Letts advises on over $2 billion AUM (as of 7/31/25) for successful families across the United States and the world. He is a Family Wealth Director, a designation held by only 5% of Morgan Stanley Financial Advisors (as of 12/31/24) who focus on working with the firms most affluent clients. He is also an Alternative Investments Director, where he facilitates non-public investments for high-net-worth clients. In 2022 & 2023 Chris was ranked Forbes Magazine as Morgan Stanley’s overall #1 “Next-Gen Wealth Advisor” in the State of Michigan. He has been included as a Five-Star Wealth Advisor by Hour Detroit every year since 2013. He began his career at Morgan Stanley in 2001.

Chris co-founded and is the Managing Partner of the Pine Harbor Group, a boutique like practice within Morgan Stanley, which focuses in working with entrepreneurs, corporate leaders, and families managing intergenerational wealth. Pine Harbor was ranked by Forbes as one of the top Wealth Management Teams in the State of Michigan in 2023, 2024 and 2025.

Chris is a national advocate for entrepreneurs considering substantial liquidity events due to the sale or recapitalization of a privately held business. In 2021 he was honored by Middle Market Growth Magazine as one of North Americas top professionals for his work with Middle Market business owners. He was elected the President of the Association of Corporate Growth’s Detroit chapter where he worked with political leaders, investment bankers and private equity executives to advance the interests of Middle Market business’s nationwide.

Deeply involved in his community, Chris serves on the advisory board at MSU’s Eli Broad College of Business and helped his alma mater create an innovative Masters in Wealth Management Program- the first of its kind in the Big Ten. He is also currently an advisor to Winning Futures, an award-winning non-profit committed to mentoring and empowering underserved youth.

Chris is a native of Toronto and, alongside his wife Stephanie, is very proud to live in his adopted hometown- The City of Detroit.


2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023 - 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.

2022 & 2023 Forbes America’s Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded 2022 & 2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.

2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:

2013 Award - 10/22/12 - 03/09/13 | 2014 Award - 10/22/13 - 03/09/14 |
2015 Award - 10/22/14 - 03/09/15 | 2016 Award - 10/22/15 - 03/09/16 |
2017 Award - 08/24/16 - 02/24/17 | 2018 Award - 08/30/18 - 03/19/18 |
2019 Award - 08/21/18 - 03/19/19 | 2020 Award - 08/01/19 - 03/20/20 |
2021 Award - 08/10/20 - 03/19/21 | 2022 Award - 09/03/21 - 03/11/22 |
2023 Award - 09/05/22 - 03/03/23 | 2024 Award - 09/05/23 - 02/29/24 |
2025 Award - 08/21/2024 - 02/28/2025

https://www.morganstanley.com/disclosures/awards-disclosure.html

With more than 20 years of industry experience, Keith Mahle is a CERTIFIED FINANCIAL PLANNER™, a Chartered Alternative Investment Analyst^® and a Certified Investment Management Analyst^®. He completed rigorous training at the Wharton School of Business and received a Bachelor’s degree in Finance from Central Michigan University. He has been recognized by Hour Magazine as a Five Star Wealth Manager in Detroit.

Keith began his career in a technical role as a Senior Analyst for the Smith Barney Consulting Group. He spent four years guiding large foundations, pension funds, and municipal governments in applying modern portfolio theory and analytic evaluation to the investment selection of their respective portfolios. Keith excelled in the position, and was awarded the prestigious honor of Consulting Group’s “Analyst of the Year” in 1998.

Keith serves the clients of Pine Harbor by developing sophisticated financial plans designed to help address their goals for cash flow, wealth preservation, and tax efficient wealth transfer. He draws on his previous Consulting Group Analyst experience when selecting investment asset managers. Keith also advises on intergenerational wealth planning, insurance strategies, risk mitigation, and liability management.

Active in his community, Keith enjoys supporting causes that further his children’s educational experiences. A varsity swimmer in High School, Keith is proud supporter of youth athletics and has coached the Beverly Hills Titans as well as his children’s soccer and baseball recreational teams.

Keith and his wife Laura recently celebrated their 20th year anniversary. They reside in Beverly Hills, Michigan with their two children, Jackson and Taylor.

2013-2020 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2020) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.

Drawing on nearly 2 decades of diverse wealth management experience, Nivy advises a national clientele of successful families, she is devoted to helping clients achieve their goals and is committed to building lasting relationships. Additionally, Nivy is a CERTIFIED FINANCIAL PLANNER^® and a Chartered Retirement Planning Counselor which help her focus on providing customized strategies and guidance in all areas of planning tying all aspects of their life goals. She has an exceptional understanding of the custom financial planning needs of the families she serves. Nivy strives to develop a deep understanding of each client’s unique needs and aspirations, and to deliver holistic strategies that touch every aspect of their financial lives. She serves as a close family advisor helping them make informed decisions on complex issues and to deliver an exceptional level of personalized service. She connects clients to a suite of capabilities, including investment management, trust and estate planning strategies, next-generation education and stewardship, and cash management and lending solutions. She leads all her relationships with empathy, curiosity, integrity & conviction while focusing on transparency and communication.

She began her career with Morgan Stanley as an intern during her undergraduate studies at Walsh College where she graduated with a degree in Business Administration and Finance with High Honors.

Nivy and her husband, Evald, reside in Bloomfield Hills. They are the proud parents of their son, Mateo 12 years old and daughter, Sara 9 years old. As a family they are passionate about giving back to their community and are involved with numerous charitable organizations. Outside of work she enjoys cooking, reading & spending time with family travelling exploring new cultures.

Tori Mady is Pine Harbor’s client service associate. She is a graduate of University of Michigan with a degree in Economics.

Tori assists with scheduling and other administrative items for the clients of Pine Harbor.

A competitive tennis player throughout high school, Tori currently plays on UM’s club team. She also teaches tennis in the summer to underprivileged youth.

Sara serves as Director of Business Strategy for Pine Harbor Group, bringing over 15 years of extensive financial planning experience to support the sophisticated wealth needs of the entrepreneurs, executives, and multi-generational families we serve.

A graduate of the Eli Broad College of Business at Michigan State University with a degree in Finance, Sara spent her career at UBS Financial Services, Inc. as a Senior Wealth Strategy Associate—providing comprehensive planning support to clients navigating significant liquidity events, tax considerations, and estate transitions. Her attention to detail and depth of planning experience aligns with Pine Harbor's commitment to precision, responsiveness, and care at every stage of the client experience.

Sara assists our team on wealth planning discussions, coordinating complex requests, and delivering on the boutique-level service Pine Harbor is known for. Whether you're preparing for a business transition, navigating a multi-generational estate plan, or accessing private market opportunities, Sara's planning insight adds meaningful depth to the strategies Pine Harbor Group delivers.

Outside of work, Sara enjoys spending quality time with her family, exploring new restaurants, and volunteering in her community.

Brian, our newest Team Administrator, actively supports the team with scheduling, logistics, and communication- helping deliver exceptional service and tailored financial strategies to our clients

A senior at Michigan State University, Brian is pursuing Finance with a focus in Wealth Management and Financial Planning. On campus, he's an Associate with MSU's Green and White Fund (the student- run investment fund) and active in the Student Investment Association.

A lifelong athlete, Brian led Detroit Catholic Central hockey to the 2022 D1 state championship. He continues to stay active through intramural hockey at MSU and maintains a strong passion for fitness, golf, and recreational sports.