The Pine Harbor Group at Morgan Stanley

Christopher Letts advises on over $1.5 billion AUM for successful families across the United States and the world. He is a Family Wealth Director, a designation held by only 4% of Morgan Stanley Financial Advisors (as of 12/31/23) 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 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.

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 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023 & 2024) 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.

2013-2023 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.

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.

With more than 40 years of industry experience, David Frizzell is a CERTIFIED FINANCIAL PLANNER™. He earned a degree in Accounting at Walsh College. Dave spent multiple years as a branch manager while still working for his clients as their financial advisor. This role contributed to his accumulated knowledge base with various investment strategies as well as other advisors’ recommendations. As a result, this experience continues to guide him in recommending what he feels is the right personalized strategy for each of his clients.

David has been married to his wife (Teresa) for more than 40 years. They are the proud parents of three children and a grandson (Michael and his son Gunar, Jon and wife Stephanie, Holly and husband Christian). They have lived in northern Oakland County for their entire lives and now enjoy working from Florida in the winters. He has been a member of Indianwood Golf and Country Club for more than 40 years and truly enjoys golfing. He is an avid reader and has read hundreds of books over his adult life, a large percentage of those regarding the financial industry.

Nivy Lamani is a Financial Planning Specialist and Portfolio Associate. She has 18 years of experience in wealth management and has spent her entire professional career at Morgan Stanley.

Nivy is dedicated to meeting the unique service needs of the clients of Pine Harbor. She has an exceptional understanding of the custom financial planning needs of the families she serves. Nivy prides herself on client satisfaction and strives to make each family relationship personal.

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 is passionate about giving back to the community. She is a regular volunteer at Henry Ford and McLaren Macomb Hospitals where she spends time counseling patients and their families.

Nivy and her husband, Evald, reside in Bloomfield Hills. They are the proud parents of their son, Mateo, and daughter, Sara Grace. Being both bilingual, Nivy and Evald enjoy travelling to exotic places and have journeyed throughout Central and South America. Nivy also enjoys spending time outdoors and watching Premier League Soccer with her extended family.

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.