Michael is a Senior Vice President, Senior Portfolio Manager, Financial Planning Specialist and a Senior Partner of the Shriftman/Hillman Group of Morgan Stanley. With a corporate executive background combined with multiple degrees in Accounting and Economics from The State University of New York and a graduate degree in Finance (MBA) from the University of Colorado in Boulder, Colorado, Michael has over 33 years of experience, along with the wisdom and analytical skills to help manage the complete retirement income process. Upon completing his MBA in Finance, he began his business career as an executive with the Lincoln Mercury division of Ford Motor Company. During his eight year tenure with Ford in three different cities, Michael was Ford's youngest General Field Manager in the United States at the time. He was a direct report to the former CEO of Ford Motor Company, James Hackett. Michael is a student of the financial markets. He is passionate about analyzing domestic policy/politics as well as geopolitical events. His wife Robin is an owner/operator of a Travel Agency. European and Mediterranean travel is a special interest along with bass fishing in any lake or stream he can find. Michael and Robin live in The Woodlands, Texas with their three children currently attending The University of Texas, Texas A&M, and Stephen F. Austin and not to forget their Standard Poodle Bella. Licenses: Series 7 General Securities, Series 3 Futures and Commodities, Series 65, Series 63 (Investment Advisors), Mortgage Licensed, Texas Insurance Licensed. Distinctions and Designations: Financial Planning Specialist, Senior Portfolio Manager NMLS#1272970 Areas of Focus: Financial Planning Specialist Retirement Income Planning & Investing (fixed income and dividends) Comprehensive Financial & Wealth Planning Diversification/Asset Allocation Strategies Complimentary Portfolio Review Estate Planning Strategies Insurance Reviews & Variable Annuity Analysis Cash Flow Analysis Lending Solutions 401(k) Rollover Strategies Stock Options Corporate Benefit Selection Strategies Alternative Investing 