About Us

Morgan Stanley serves many of the world’s most sophisticated investors; our firm is one the nation’s leading firms to help clients with their personal wealth.  Financial needs are different today; we do life, not just investments.  We build relationships as we help with tough decisions and ask difficult questions.  Our team has a relationship first policy that is the cornerstone of our business model.  All members of the team are focused on maintaining and growing that relationship to make sure we provide you with the tools you need to navigate the financial road map life brings.  Our many years of experience with financial changes and challenges allow us to guide you and work together to help preserve and grow your wealth through multiple generations.   We welcome the opportunity to use our experience and talents to help improve your current financial situation and navigate toward new and existing goals.
Services Include
  • 401(k) Rollovers
  • 529 Plans1
  • Asset Management2
  • Cash Management3
  • Corporate Retirement Plans4
  • Defined Contribution Plans5
  • Divorce Financial Analysis6
  • Estate Planning Strategies7
  • Financial Planning8
  • Life Insurance9
  • Long Term Care Insurance10
  • Qualified Retirement Plans11
  • Retirement Planning12
  • Wealth Management13
  • Annuities14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Community Involvement

Denise Lynch



Women's Giving Circle of Cumberland County is a nonprofit organization that seeks to build and encourage philanthropy in women, engage all generations, and encourage women to be more intentional with their giving.  I've been a member for the past 8 years and have previously served on the Leadership Committee as Co-Chair, Membership & Events Chair, as well as Vice Co-Chair.

Fayetteville Chamber of Commerce. Member. Fayetteville, NC.

United States Tennis Association. Member.

Highland Country Club. Fayetteville, NC. Member






Linda S. Goff



NetWorth of Fayetteville is an organization of women empowering one another through professional support and mentoring.  I've served in many capacities to include, Leadership, Board Member, and Co-Chair of Arrangements.

Womens Giving Circle of Cumberland County is a nonprofit organization that seeks to build and encourage philanthropy in women, engage all generations, and encourage women to be more intentional with their giving.  I've been a member for the past 9 years and have previously served as the Treasurer.

National Assoiations of Professional Women.  Member.

Synder Baptist Church. Fayetteville, NC.  Member.

University of North Carolina Rams Club.  Member

Methodist University Loyalty Fund Board.  Served as past President.

Fayetteville Urban Ministry. Board Member, Co-Chairof Honor Card Event, and member of the Find-A-Friend Program.

    Wisdom, Wealth and Wellness

    Women are often the money, schedule and wellness managers of their households. These roles create a variety of financial demands, and women’s relative longevity means understanding wealth planning is vital even if they haven’t played this role before. Come learn how to develop a wealth strategy that can help meet your true needs.

    Location

    2153 Valleygate Dr
    Suite 201
    Fayetteville, NC 28304
    US
    Direct:
    (910) 481-8561(910) 481-8561
    Fax:
    (910) 481-8584(910) 481-8584

    Meet 34.9 Group

    About Me

    Securities Agent: NC, WI, WA, VA, TX, TN, SC, PA, OK, OH, NY, NH, MN, MD, MA, LA, KS, IN, IL, HI, GA, FL, DC, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
    NMLS#: 1433370

    About Me

    Linda S. Goff, Vice President, Financial Advisor, has worked extensively in corporate and individual financial planning for over 30 years. She enjoys a client base in 22 states.

    She has a deep understanding of the responsibilities faced by small business and professional groups.

    Linda started in this business at a time when it was unusual to see women in the financial industry. Her deep experience has forged a compassionate and patient professional who willingly shares her management strength and knowledge with clients and colleagues.



    My Philosophy
    My philosophy for business and for life.
    To laugh often and much. 
    To win the respect of intelligent people and the affection of children.
    To earn the appreciation of honest critics and endure the betrayal of false friends.
    To appreciate beauty, to find the best in others.
    To leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition.
    To know even one life has breathed easier because you have lived.
    This is to have succeeded!

    - Ralph Waldo Emerson
    Securities Agent: NC, WI, WA, VA, TX, TN, SC, PA, OK, OH, NY, NH, MN, MD, MA, LA, KS, IN, IL, HI, GA, FL, DC, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative

    About Me

    In today’s ever-changing economic and market environment our clients face uncertainties and challenges daily. As the proud daughter of a military family I quickly learned that change was a part of life. Each new duty station brought challenges and uncertainties like new schools, new friends and new cultures, but they also brought opportunities to learn. I learned flexibility in order to adapt to changes, resilience to deal with difficult situations and how to interact with people from all walks of life. I believe in the power of knowledge which is why I make it a priority to educate myself and inform my clients of their options when planning for life’s transitions.
    Born in Fayetteville, North Carolina and raised all over the world, I made one final move a little over ten years ago to plant roots in Moore County with my husband Bob and our two boys. As a family we enjoy anything that takes us outside, but especially camping and hiking. I also enjoy giving back and serving others. I am an active member of Christ Community Church in Pinehurst. As an in-school mentor with Moore Buddies Mentoring I hope to have a positive impact on a child’s life and help them reach their greatest potential. In the same way I want to help clients achieve their financial goals.
    Securities Agent: NC, WI, WA, VA, TX, TN, SC, PA, OK, OH, NY, NH, MN, MD, MA, LA, KY, KS, IN, IL, HI, GA, FL, DC, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
    NMLS#: 831564
    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

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    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
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    Investing in Artificial Intelligence and Automation

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    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
    From Clueless to Clued In: Teaching Teens About Money

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    As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

    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
    Facing Financial Stress? Your Employer May Be Able to Help

    Facing Financial Stress? Your Employer May Be Able to Help

    Many of us face money worries. You may be able to get advice and education from an unexpected source.

    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
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    Choosing an Environmental Charity

    There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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    Ready to start a conversation? Contact 34.9 Group today.
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    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.

    1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

    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 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

    4Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    5Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    6Morgan 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.

    7Morgan 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.

    8Morgan 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.

    9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    11Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    12Morgan 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.

    13Morgan 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.

    14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    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.


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