Bowman Thrasher, CFP®
Vice President, Financial Advisor, Portfolio Manager
Phone:
(502) 562-5119(502) 562-5119
The Riverside Group at Morgan Stanley
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Our Story
While formed in 2008, the roots of the Riverside Group at Morgan Stanley date back to 1996. Over that time we have helped clients navigate their ever changing lives as well as changing market conditions. While the team roster may have changed over the years, one thing remains the same, providing holistic advice to help our clients achieve their goals is still our top priority.
As a team we have diverse backgrounds and experiences that we believe complement each other and allow us to provide exemplary wealth management for our clients. Our process begins with comprehensive financial planning that lays out a road map for us to travel down with our clients. For this “road map” we assume the role of the guide and lead our clients through the journey by providing professional portfolio management, cash management services, and alternative investment allocations where appropriate.
Alternative 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.
As a team we have diverse backgrounds and experiences that we believe complement each other and allow us to provide exemplary wealth management for our clients. Our process begins with comprehensive financial planning that lays out a road map for us to travel down with our clients. For this “road map” we assume the role of the guide and lead our clients through the journey by providing professional portfolio management, cash management services, and alternative investment allocations where appropriate.
Alternative 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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
At the Riverside Group we believe holistic financial planning isn’t just an exercise in gathering data, but rather an in depth look into our clients’ financial lives to understand them fully and be able to confidently become their trusted advisors. We provide comprehensive wealth planning strategies to individuals and their families through our process below.
- Discovery
We begin with an in-depth conversation around you, your values, and your goals. During this conversation we begin to gather the details that make your situation unique and discuss any immediate concerns or obstacles that you may have.
- Analysis and Plan Development
We then analyze all the information we have gathered and develop a customized, comprehensive financial plan and investment proposal designed to fully covers your needs.
- Recommendations and Implementation
After we have reviewed the plan and agreed upon the recommendations with you, we begin the implementation process. Here you can expect us to handle the details of account opening, investment allocation, and plan implementation. We will keep you updated on the progress, while you allow us to worry about the details.
- Monitoring
Once we have implemented the recommendations, our proprietary monitoring software keeps clients up to date on where they stand relative to their goals and we keep the plan up to date through ongoing calls and meetings.
- Adjustment
We know that life doesn’t always go according to plan, but through the years of working with our clients we have found that small adjustments along the way can help adapt to changing life circumstances and ever changing market conditions.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at http://www.morganstanley.com/ourcommitment/.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
- Discovery
We begin with an in-depth conversation around you, your values, and your goals. During this conversation we begin to gather the details that make your situation unique and discuss any immediate concerns or obstacles that you may have.
- Analysis and Plan Development
We then analyze all the information we have gathered and develop a customized, comprehensive financial plan and investment proposal designed to fully covers your needs.
- Recommendations and Implementation
After we have reviewed the plan and agreed upon the recommendations with you, we begin the implementation process. Here you can expect us to handle the details of account opening, investment allocation, and plan implementation. We will keep you updated on the progress, while you allow us to worry about the details.
- Monitoring
Once we have implemented the recommendations, our proprietary monitoring software keeps clients up to date on where they stand relative to their goals and we keep the plan up to date through ongoing calls and meetings.
- Adjustment
We know that life doesn’t always go according to plan, but through the years of working with our clients we have found that small adjustments along the way can help adapt to changing life circumstances and ever changing market conditions.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at http://www.morganstanley.com/ourcommitment/.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Location
4969 US Highway 42
Suite 1200
Louisville, KY 40222
US
Direct:
(502) 562-5100(502) 562-5100
Meet The Riverside Group
Mike Scarafia, CFP®
Senior Vice President, Financial Advisor, Family Wealth Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(502) 562-5146(502) 562-5146
Jason Henderson
Financial Advisor
Phone:
(502) 394-4057(502) 394-4057
Stephanie Hughes
Phone:
(502) 562-5099(502) 562-5099
About Bowman Thrasher
Bowman is a Certified Financial PlannerTM professional with the Riverside Group. His primary focuses are financial planning and client relationships. Bowman has been with the Riverside Group since coming to Morgan Stanley in 2017. He previously worked in banking/financial services for five years after completing his Bachelor of Arts degree in Business Finance with a minor in Quantitative Methods from Franklin College. While attending Franklin College, Bowman competed as a member of the Franklin Grizzlies football team for two years.
Bowman is a native of southern Indiana and currently lives in Otisco, IN with his wife, Alicia, and their two sons, Steele and Griff. He enjoys spending time with his family, being outdoors, exercising, and improving his woodworking skills. He is also an active member of Southeast Christian Church in Indiana and a volunteer coach for his sons' sports teams.
Bowman is a native of southern Indiana and currently lives in Otisco, IN with his wife, Alicia, and their two sons, Steele and Griff. He enjoys spending time with his family, being outdoors, exercising, and improving his woodworking skills. He is also an active member of Southeast Christian Church in Indiana and a volunteer coach for his sons' sports teams.
Securities Agent: FL, NV, IN, MD, CA, OH, AL, WA, AZ, WI, TN, MA, IL, TX, KY, KS, AR, UT, NY, NJ, NC, GA, MI, CO, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1066290
NMLS#: 1066290
About Mike Scarafia
Mike is a Certified Financial PlannerTM professional and founding member of the Riverside Group. His primary roles on the team are portfolio management and client relationships. Mike has been a part of the Riverside Group since joining Morgan Stanley in 2008. He previously worked as a Certified Public Accountant after completing his Bachelor of Science in Business and Master of Business Administration degrees at Indiana University Bloomington.
Mike is a native of Newburgh, Indiana and currently lives in Floyds Knobs, Indiana with his wife, Jenny, and their two daughters, Callie and Alyssa. He enjoys hiking, traveling and watching sports with his family. He is also an active member of Southeast Christian Church in Indiana.
Mike is a native of Newburgh, Indiana and currently lives in Floyds Knobs, Indiana with his wife, Jenny, and their two daughters, Callie and Alyssa. He enjoys hiking, traveling and watching sports with his family. He is also an active member of Southeast Christian Church in Indiana.
Securities Agent: CA, NV, AL, MI, WA, VA, IL, FL, NJ, CO, AR, TN, IN, NC, MD, KS, AZ, UT, MA, KY, GA, TX, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1475789
NMLS#: 1475789
About Jason Henderson
Jason is a Financial Planning Specialist and has been with the Riverside Group since coming to Morgan Stanley in 2022. He focuses on understanding each client’s specific needs and goals, then building a financial plan tailored to each client. He works with individuals and families to help them understand, preserve, and enhance their financial position so they may make more informed and confident decisions in achieving their long-term goals.
Jason graduated from Hartwick College in 2008 with B.S. degrees in Accounting and Biochemistry. While attending Hartwick College, he competed as a member of the Hartwick soccer team. He continued his studies, achieving his C.P.A. license in 2012 and earning his M.B.A. at Indiana University Southeast in 2015. He has spent his whole career in the financial services industry, previously working in public accounting and at a quantitative investment management firm.
Jason is a native of Southern Indiana and currently lives in Floyds Knobs, Indiana with his wife, Michele, and their three children, Carter, Harper, and Tyler. He enjoys spending time with his family, being active and outside, coaching his kids in sports, and carpentry. He is also an active member of Graceland Lutheran Church in Indiana.
Jason graduated from Hartwick College in 2008 with B.S. degrees in Accounting and Biochemistry. While attending Hartwick College, he competed as a member of the Hartwick soccer team. He continued his studies, achieving his C.P.A. license in 2012 and earning his M.B.A. at Indiana University Southeast in 2015. He has spent his whole career in the financial services industry, previously working in public accounting and at a quantitative investment management firm.
Jason is a native of Southern Indiana and currently lives in Floyds Knobs, Indiana with his wife, Michele, and their three children, Carter, Harper, and Tyler. He enjoys spending time with his family, being active and outside, coaching his kids in sports, and carpentry. He is also an active member of Graceland Lutheran Church in Indiana.
Securities Agent: GA, CA, VA, TN, AL, WA, TX, OH, MD, NY, FL, UT, MI, IL, CO, AZ, NV, NC, AR, NJ, MA, KY, KS, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2458681
NMLS#: 2458681
Contact Bowman Thrasher
Contact Mike Scarafia
Contact Jason Henderson
Wealth Management
Global Investment Office
Portfolio Insights
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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Ready to start a conversation? Contact The Riverside 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.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Alternative 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.
5Morgan 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.
6Morgan 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
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
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Alternative 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.
5Morgan 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.
6Morgan 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
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)
