Brad Cull, CFP®
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager
Direct:
(404) 266-5925(404) 266-5925
My Mission Statement
Deliver a highly personalized wealth management experience with a structured investment approach – grounded in thoughtful diversification, risk management and ongoing oversight to keep your plan aligned with what matters to you most.
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 highly seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Securities Agent: ME, AL, TX, TN, MA, MS, MO, MI, AZ, VA, PR, OH, NC, CO, SC, OK, GA, FL, LA, CT, PA, NY, IN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 544720
NMLS#: 544720
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Strategies Built for Your Goals
My investment philosophy is built around clarity, discipline, and the belief that strong outcomes come from a repeatable process—not from chasing headlines. We start by understanding what matters most to you: your goals, time horizon, cash-flow needs, and comfort with risk. From there, I translate those priorities into an investment approach designed to be resilient across market environments, with a focus on long-term decision-making and thoughtful diversification.
I leverage the firm's investment capabilities and established process to help bring structure to that plan. Rather than getting overly technical, I focus on a straightforward framework: define the objective, build an appropriate allocation, select high-quality strategies, and monitor and refine as appropriate, when conditions change. This approach is supported by broad resources across asset classes and investment styles, helping us evaluate opportunities and risks with consistency and care.
Ultimately, everything funnels into delivering outcomes—because performance is only meaningful in the context of your real-world financial goals. We measure progress by what the portfolio is designed to accomplish: funding retirement, generating income, preserving wealth, or building a legacy. As your life evolves and markets shift, we stay engaged—revisiting assumptions, rebalancing when appropriate, and keeping the strategy aligned so your plan remains purposeful, practical, and focused on results.
The CFP® Professional
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. See below for more information about the CFP® designation and how I can help:
Education
The CFP® professional must develop theoretical and
practical financial planning knowledge by completing comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
practical financial planning knowledge by completing comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 6 hour
comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life
situations. The exam covers the financial planning employee benefits and retirement planning, estate planning, investment management and insurance.
comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life
situations. The exam covers the financial planning employee benefits and retirement planning, estate planning, investment management and insurance.
Experience
All CFP® professionals are required to complete several
years of experience related to financial planning services
prior to earning the right to use the CFP® trademarks.
years of experience related to financial planning services
prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outlined in the CFP® Board's Code of Ethics. The Standards of Conduct require the CFP® professional to put the client's interest first at all times.
Family Office Resources
Family Office Resources (FOR) provides access to experienced professionals and technical resources for eligible ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues.
Learn More
Wealth Management Capabilities
At Morgan Stanley Wealth Management, access to extensive resources, combined with our capabilities, can help us support your goals at various life stages. Our commitment to helping clients to build, preserve and manage wealth forms the foundation of everything we do.
Estate and Legacy Planning
A well-crafted estate plan can help clients plan for the future by getting a better overall sense of their potential estate value. Financial Advisors help clients by analyzing the impact of different strategies surrounding the
ownership of assets, philanthropy, and the
implementation of trusts.
ownership of assets, philanthropy, and the
implementation of trusts.
Tax Efficient Investing
The tax decisions you make today can potentially help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More
Investing with Impact
Investing with impact is designed to provide a comprehensive and holistic wealth approach for our clients who seek to generate market-rate financial returns alongside positive environmental and social impact.
Our clients understand that decisions they make around company stock and options may be some of the most consequential they will face in their financial life.
You may be asking yourself:
- How well do I understand my equity compensation and the strategies that exist to maximize its value?
- Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
- How do I turn my company equity into something I can enjoy?
- Can I afford to leave my company, and how should I plan for that?
- What the heck is the Alternative Minimum Tax?
How we can help
Understanding how your stock or option plan works is only the first step. We work with you to articulate specific goals such as diversification, tax management, charitable giving, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year
scenerios, we help you make the best decisions you can to maximize this valuable asset.
Why me?
I am among a group of Morgan Stanley advisors who are trained and experienced in these complex issues and have access to tools and resources that may help you evaluate options when selecting a financial advisor.
Location
3280 Peachtree Rd NE
Suite 1900
Atlanta, GA 30305
US
Direct:
(404) 266-5925(404) 266-5925
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
A 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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Brad Cull today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
