Our Investment Process

Understand

The first and perhaps most important step in our investment process is to understand your comprehensive financial situation. We need to know your needs, goals, desires, risk tolerance, and time horizon in addition to your income, investment holdings and liquidity needs in order to design an appropriate financial roadmap to help you meet your goals.

Plan

Using an understanding of your stated goals and financial picture, we will develop a financial plan and asset allocation to best help accomplish your goals within the guidelines of your risk tolerance.  As your life conditions and needs change, we will work with you to adapt your plan to help you meet your changing needs.

Portfolio Management

We use our Portfolio Management program to help you meet your unique goals.  We serve as the Portfolio Manager on several different investment styles.  The discretionary nature of this program enables us to act quickly in response to changing market conditions.  Portfolio Management clients enjoy personalized service and easy access to us, the professionals responsible for managing their investments.

Service

The Twenty7 North Group is a team of dedicated professionals who take care of your needs through all phases of the investment process. We have extensive experience and achievements in the financial service business.  We strive to improve your quality of life by simplifying your financial life.  Our relationship with you is a commitment to your future.
Services Include
  • Wealth Management1
  • 401(k) Rollovers
  • Asset Management2
  • Estate Planning Strategies3
  • Financial Planning4
  • Professional Portfolio Management5
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Financial Planning with The Twenty7 North Group

All members of The Twenty7 North Group abide by the belief that every relationship should start with a comprehensive financial plan.  Your wealth strategy doesn't solely consider your investment objectives.  Rather, it is tailored to address the personal life goals you've identified and prioritized.

Using our suite of tools — our LifeView® platform — we can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions. 

LifeView® helps us:

Analyze your current investments, and financial situation
Review and prioritize your goals with you, such as Retirement
Education funding
Major purchases and philanthropic goals
Protect your goals
Develop wealth transfer strategies

Click the links below to access our LifeView® Client Profile and a sample LifeView® Analysis Report:

Location

2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 363-8518(941) 363-8518
Toll-Free:
(800) 347-9656(800) 347-9656

Meet Twenty7 North Group

Photo of John Piper

John Piper

Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director

Phone:
(941) 363-8520(941) 363-8520

About Me

John was born and raised in Michigan and graduated with honors in 1982 from the University of Michigan Ross School of Business with a Bachelor of Business Administration degree. After graduation he joined Manufacturers Bank in Detroit as a credit analyst. John moved to Florida in 1985 and worked for First Florida Bank before joining Morgan Stanley predecessor firm Dean Witter Reynolds as a financial advisor in 1987. He has been at the same firm since then, becoming a Vice President in 2000, earning the Wealth Advisor designation in 2005 and becoming a Senior Vice President in 2008. John has focused his business in recent years on Discretionary Portfolio Management, becoming a Portfolio Manager in 2005, Senior Portfolio Manager in 2010 and Portfolio Management Director in 2012. This is where he believes he can best serve clients and add value to the overall relationship.

John has been married to his beautiful wife Patti since 1985 and resides in Sarasota. They have children Jessica and Michael and four grandchildren Joshua, Evan, Isla and Crew. John enjoys staying fit by working out, bicycling and snow skiing. He also enjoys spending time at his log home in Northern Michigan.
Securities Agent: TX, FL, WY, WA, VT, VA, UT, TN, SC, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
NMLS#: 1274631

About Me

Michael Bowers began his career in the financial services industry nearly 20 years ago. Michael earned the prestigious CERTIFIED FINANCIAL PLANNER™ designation. Michael Bowers was born in Fort Wayne, Indiana and moved to Florida in the early 1970’s. Michael graduated from the University of Florida with a Bachelor of Science degree in Psychology. After graduation, Michael joined Barnett Banks of Florida and worked his way up to Senior Vice President and Portfolio Manager III at U.S. Trust. In 2011, Michael chose to join Morgan Stanley to focus exclusively on providing direct financial counsel to help clients identify their needs and goals to provide options so that his clients can make informed choices to best serve their lives.

Michael is happily married to Ann for 15 years and has three young boys – Christopher, Matthew and Jack. When he is not chasing the kids around the yard, Michael enjoys golf, the beach and coaching soccer.
Securities Agent: TX, GA, FL, WY, WA, VT, VA, UT, TN, SC, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, ID, IA, HI, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1270139

About Me

Michael graduated from The Florida Institute of Technology with a Bachelor degree in Aviation Management w/ Flight in 2003. He was a flight instructor before attaining his first airline job as a First Officer at ColganAir in 2005. Less than a year later Michael was hired by SkyWest Airlines, considered a top tier regional airline carrier. For six years he was able to travel the country and create many lifelong memories, one of those being marriage.  Wanting to feel more settled, he decided it was time for a career change.  Michael was already a student of the financial market, and found many similarities between two very different industries.  Michael accepted to join the Twenty7 North Group at Morgan Stanley in January of 2011, and felt it was a perfect start for a new decade.

Michael’s beautiful wife is named Lynda. They have three children together, one of whom happens to be a Golden Retriever named Gala.  The two other non-furry children are their daughter Isla and son Crew.  Michael and Lynda love traveling out West, visiting family in Michigan, and spending time on the water, especially when they get to take the family to the Venice dog beach on the weekends.  Michael continues to remain an avid airman and is passionate about spending time up above, observing the world from a different perspective.
Securities Agent: TX, FL, WY, WA, VT, VA, UT, TN, SC, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1255483

About Me

Susan was born and raised in the suburbs of Chicago, IL.  At the age of 16, Susan, the daughter of a Chicago Fireman, entered Western Illinois University and graduated with a Bachelor of Education with a focus on teaching grades K-9.   Susan went to work for Motorola and with her love of training and community, helped spearhead Braille, Large Print and audio manuals for the blind.  Susan was one of 5 Motoralans honored in Chicago for community work with the deaf and the Lighthouse for the Blind.

 

Susan and her husband Victor moved to Sarasota in 2005 where soon after she began working in the finance industry.  In 2018 with the retirement of Susan’s Mentor and Financial Advisor, Susan joined the Morgan Stanley family and teamed up with the Twenty7 North Group.

 

In Susan’s spare time, Susan enjoys teaching Cycling classes in the evenings at the YMCA, being a member of the Sarasota Southside Rotary Club and visiting with her 3 grown children, Jim, Allison and Phillip.
Securities Agent: FL, WY, WV, WI, WA, VT, VA, UT, TX, TN, SC, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1751509

About Me

Erin was born and raised in Portland, Oregon. In 2005, Erin began her career in the investment industry with Merrill Lynch. Over the next 5 years, Erin progressed in her career by obtaining her Series 7 (General Securities Representative Exam) and Series 66 (Uniform Combined State Law Exam) licenses and advanced into the positions of Registered Client Service Associate and Branch Manager’s Assistant. In 2011, Erin was recruited to join Morgan Stanley as a Senior Registered Associate. Within the first year, she earned her Financial Planning Certification. After taking several vacations to Florida, Erin achieved her long time goal of escaping the cold winters in Oregon by transferring to Sarasota to join The Twenty7 North Group at Morgan Stanley. Since moving to Sarasota in the Summer of 2016, Erin has been promoted to the position of Complex Service Coach, providing her with the opportunity to gain a deep understanding of our systems, serve as a key resource to clients and over 60 colleagues in the Southwest Florida region. Erin received another promotion in January of 2019 to a Portfolio Associate, which is a role that recognizes associates who have shown outstanding achievement as a Registered Client Service Associate.

In Erin’s spare time she enjoys exploring the many beaches, visiting amusement parks, nature preserves and local festivals with friends. She is excited to continue and learn about all the great things that the Gulf Coast has to offer, and share them with her friends and family as they visit her in the Sunshine State.

About Me

Helen began her career in financial services in banking in 1986 with Nations Bank and Northern Trust before joining Smith Barney, now Morgan Stanley.  Helen has worked with Financial Advisor, Mike Campbell, servicing clients since 1999.  She focuses on facilitating the administrative needs of the team.  

Helen was born and raised in Sarasota, FL where she developed her passion for deep sea fishing.  She and her husband Rick enjoy vacationing in Jamaica, swimming, fishing and visiting their two daughters and five grandsons.

Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

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
Financial Transition: A Guide for Women

Financial Transition: A Guide for Women

Here's how to take control of your finances if a death or divorce leaves you holding the reins.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
A New Roadmap for Mission Alignment

A New Roadmap for Mission Alignment

Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

More from Morgan Stanley

Consolidate Your Cash at a Competitive Rate

Consolidate Your Cash at a Competitive Rate

2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
Learn more about Consolidate Your Cash at a Competitive Rate
Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
Ready to start a conversation? Contact Twenty7 North Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Morgan 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.

2Morgan 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.

3Morgan 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.

4Morgan 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.

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 suitable 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.

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 suitable 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”) 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.


CRC 2019752 10/2018