Ashley L. Raymond, CRPC®
Financial Advisor
Direct:
(423) 752-4746(423) 752-4746
My Mission Statement
My approach focuses on a long-term, strategic plan that is personalized for your values and lifestyle, responsive to change and monitored often in order to adapt to you and your family’s evolving financial needs.
My Story and Services
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Securities Agent: MA, OR, DE, CA, NC, NY, IL, GA, FL, LA, NH, KY, IN, VA, AR, TX, NJ, MI, CO, AL, SC, TN, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2224943
NMLS#: 2224943
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
BUSINESS OWNERS
You’ve put your heart and soul into your business, with an intense focus on profitability and providing for the ones you love. With all that you’ve invested, you want to know that when the time comes to transition your business – whether it’s to a family member, key employee, or outside strategic – you can maximize the value of your company. Planning for business succession or transition is a complex, technical endeavor.
You are faced with difficult questions:
• How much is my business really worth?
• What factors dictate my company’s valuation?
• Who will carry on my vision?
• Do I want to maintain some control?
• Will the proceeds from the sale of my business be enough to support the lifestyle and retirement I envision? If not, how do I make up the shortfall?
• What tax and estate planning issues do I need to be thinking about?
• What is my exit plan?
• Is an ESOP right for me?
• What factors dictate my company’s valuation?
• Who will carry on my vision?
• Do I want to maintain some control?
• Will the proceeds from the sale of my business be enough to support the lifestyle and retirement I envision? If not, how do I make up the shortfall?
• What tax and estate planning issues do I need to be thinking about?
• What is my exit plan?
• Is an ESOP right for me?
So what now?
To optimize the value of your business and the likelihood of long-term financial security, it is critical to begin planning long before the anticipated transition. At Spencer & Raymond, we focus on helping owners of closely-held, private businesses make informed decisions about their financial futures. With our firsthand experience in navigating the complexities of a family business, we understand how challenging it can be to balance professional and personal priorities. We know the right questions to ask and we have the experience, network, and resources to help you plan for both your liquidity event and the chapters of your life that follow.
To start exploring your options, contact us!
To start exploring your options, contact us!
The Value of a Financial Advisor to a 401(k) Plan: Study
Morgan Stanley at Work conducted a study of plan sponsors working with various firms and asked their first-hand perception of Financial Advisor involvement with their retirement solutions. What we found is overwhelming support for oversight of their workplace retirement plan from a Financial Advisor, adding that their plans had better designs and better outcomes for their employees, when their Financial Advisor is involved.
Click Here to ReadBuilding a Family Enterprise That Lasts
Successful family businesses establish a shared mission and succession plan to endure for generations to come.
Click Here to Learn MorePlanning for Life After Selling a Business
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Click Here to Start PlanningBenefits of Converting a SEP or SIMPLE IRA to a 401(k)
Setting up a retirement plan for your company is one of the most effective ways for you
and your employees to save for the future. It can also have a material impact on your business goals, driving employee acquisition, retention, productivity and loyalty
Click Here to Learn Moreand your employees to save for the future. It can also have a material impact on your business goals, driving employee acquisition, retention, productivity and loyalty
ADVICE MATTERS
Your retirement plan is more than just finding the right investing opportunities. It's also important to note that as your life and career evolve, so do your goals. When working together, we can help you answer critical financial questions and adapt your strategy to meet your needs as they change over time.
From managing your retirement savings to helping to plan your legacy, we're here to lend a helping hand in any way. Check out these resources and set up a time with us to learn more about how we can work together on saving for retirement and planning for the future.
From managing your retirement savings to helping to plan your legacy, we're here to lend a helping hand in any way. Check out these resources and set up a time with us to learn more about how we can work together on saving for retirement and planning for the future.
Legacies That Last
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Learn More Here
Options for Retirement Plans When Leaving a Job
If you opened and saved through a 401(k) plan at a former employer, you should pat yourself on the back for making a smart decision, even if you are no longer at that job or are planning to leave soon. But you may also be unsure about what to do with your 401(k) after leaving your job. Let’s discuss which option might be right for you.
Click Here to Learn More
Winning Plays for Saving While You're Young
Practicing sound saving habits can help provide you with the option to pursue more, experience more, and achieve more because you have the financial foundation and flexibility to do so. Even if you're planning for retirement by putting away a portion of your income every month, it's important to make sure that you're maximizing the potential future value of these retirement savings.
Click Here to Learn More
The Millennial and Gen Z Guide to a Sweet Retirement
Millennials face unique challenges when it comes to saving for retirement, but with the right strategies, they can still achieve their financial goals. From starting early to balancing debt and savings, there are practical steps millennials can take to ensure a sweet retirement.
Click Here to Learn More
Secure 2.0: Updates Impacting Retirement
Capitol Hill plays a critical role in shaping the corporate landscape, but even to the trained observer it can be difficult to discern how new changes in retirement legislation may affect your business. How can you deliver more value to your employees through your benefits offerings when the rules of the road continue to shift?
Click Here to Learn MoreA Resource for Others
Whether you are a seasoned business owner with decades of experience or a young professional just beginning to build wealth, I can help you solidify your financial footing and find the correct path for achieving your goals. Financial planning is not easy for anyone but building a strong plan today can yield invaluable benefits down the road. My motivation as a financial adviser stems from my love of helping others in as many ways as I can and a strong belief in community engagement and continuous improvement. Getting results is hard, but through consistent action, we can find the solutions that you require.
Step 1: Get to Know Each Other
- Listen and understand your story and what is important to you, your family, and your legacy
- Identify circumstances unique to your personal situation
- Learn what your investment philosophy is
Step 2: Assess Your Finances
- Gather important data, documents, financial statements, and current investment materials
- Review information collected to ensure data is accurate and up to date
- Analyze your current investment strategy
Step 3: Develop Your Plan
- Create your personalized plan with help from Morgan Stanley's wealth management tools
- Integrate any real estate, private investments, or outside accounts into your overall planning
- Incorporate estate and insurance strategies as required
- Present recommendations along with any action items
- Coordinate strategies with your CPA and attorney
Step 4: Implement
- Prioritize activities and establish timelines
- Set up tools that will provide easy access to your accounts
- Prepare any required paperwork
- Provide ongoing updates to ensure correct implementation of the plan
Step 5: Deliver Ongoing Service
- Schedule regular calls and meetings to discuss progress towards your goals
- Apply a strict due diligence process to evaluate investment performance
- Determine if any adjustments are necessary
Our Modern Wealth Management Tools
Morgan Stanley offers a comprehensive suite of digital tools that can be used to streamline the financial planning process and provide ongoing monitoring and maintenance. Check out a few of these offerings below.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GPS
Morgan Stanley's Goal Planning System (GPS) allows you to build a financial portrait, track progress toward specific financial milestones, and consolidate information on your assets, liabilities, and investments all in one place.
Learn More About GPS
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Digital Vault
Digital Vault lets you easily manage and share your important documents such as wills, deeds and estate plans, and financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital VaultLocation
820 Broad Street, 1st
Floor
Chattanooga, TN 37402
US
Direct:
(423) 752-4746(423) 752-4746
Fax:
(423) 829-2530(423) 829-2530
Wealth Management
From My Desk
A Simple Six-Step Retirement Checkup
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
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
Article Image
Ready to start a conversation? Contact Ashley L. Raymond today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4Morgan 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.
5Morgan 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.
6When 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4Morgan 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.
5Morgan 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.
6When 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.
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)
