Emily K. Biggins, CFP®, CPWA®
First Vice President, Private Wealth Management,
Financial Advisor
Direct:
(859) 231-9555(859) 231-9555
My Mission Statement
Helping you in family wealth planning for your family’s unique goals
My Story and Services
My goal is to understand your financial needs and then align the resources to help you meet or exceed them. I can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist you in developing and executing a strategy that is precisely your own and helps you meet your needs.
Securities Agent: CA, VA, UT, LA, FL, AZ, NC, IN, HI, DE, WV, TN, NY, NM, TX, SC, MD, KY, GA, IL, MS, MI, PA, OH, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1786403
NMLS#: 1786403
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Services We Provide Include:
Financial Planning: Our team is committed to providing you with a personalized financial plan that takes into account your specific goals, retirement income needs, debt situation, and any special circumstances that may apply.
Planning for Education Funding: Our comprehensive planning services encompass education funding strategies to help you save for your children's education. We will assess your financial situation and recommend the most appropriate savings plan.
Cash Management and Lending Services: Our team recognizes the importance of effective cash and lending management in achieving your financial goals. We offer a range of services that include cash flow analysis, debt management, and borrowing strategies to help you optimize your cash position and reduce your overall borrowing costs.
Planning for Education Funding: Our comprehensive planning services encompass education funding strategies to help you save for your children's education. We will assess your financial situation and recommend the most appropriate savings plan.
Cash Management and Lending Services: Our team recognizes the importance of effective cash and lending management in achieving your financial goals. We offer a range of services that include cash flow analysis, debt management, and borrowing strategies to help you optimize your cash position and reduce your overall borrowing costs.
Our Tailored Process Starts With You
1. Discovery Process - Our approach is starts by a commitment to active listening, continuous learning, and a thorough understanding of your priorities and desired legacy. We believe that these practices are crucial in ensuring a successful outcome and strive to incorporate them into every aspect of our work.
2. Develop Strategies - We employ a rigorous approach to risk assessment, which involves meticulous data gathering and analysis. This process enables us to tailor a financial plan that is specifically designed to address your individual needs and circumstances.
3. Deployment of Strategies - Our team implements effective strategies, skillfully manages asset allocation, and proficiently assigns responsibilities to ensure seamless execution.
4. Strategy & Tactical Meetings - Our investment monitoring process is rigorous, involving regular meetings and proactive adjustments to strategies based on current market conditions and your changing financial requirements. You can trust that we are committed to ensuring that your investments are managed with the utmost care and attention to detail.
2. Develop Strategies - We employ a rigorous approach to risk assessment, which involves meticulous data gathering and analysis. This process enables us to tailor a financial plan that is specifically designed to address your individual needs and circumstances.
3. Deployment of Strategies - Our team implements effective strategies, skillfully manages asset allocation, and proficiently assigns responsibilities to ensure seamless execution.
4. Strategy & Tactical Meetings - Our investment monitoring process is rigorous, involving regular meetings and proactive adjustments to strategies based on current market conditions and your changing financial requirements. You can trust that we are committed to ensuring that your investments are managed with the utmost care and attention to detail.
PERSONALIZED SOLUTIONS
My financial advisory services cover a diverse range of financial topics, including but not limited to helping clients buy homes, managing 401(k) rollovers, and devising lasting legacies, and our team is dedicated to providing tailored professional guidance that is attuned to each client's unique goals and circumstances. As demonstrated by our daily interactions with clients, we are fully committed to assisting them with their financial questions and concerns. Here are examples of the questions we assist our clients with on a daily basis:
Retirement Planning
What strategies can I employ to ensure that my retirement savings are adequate to maintain my desired standard of living without financial constraints, and what would be the most effective approach for reinvesting my 401(k) when I shift from my current job to retirement?
Financial Planning
What are some effective strategies to preemptively mitigate potential risks and ensure long-term financial stability, given the uncertain nature of life events such as divorce or bereavement?
Asset Organization
What strategies can be employed to optimize the consolidation and management of financial assets distributed among multiple organizations and platforms with maximum efficiency and ease?
Managing Risk
What measures can be taken to mitigate the potential risks of life's uncertainties, such as potential health or life losses, in order to ensure the safety and security of oneself and one's family?
Portfolio Management
What steps can I take to formulate an investment strategy that optimizes the alignment between my diverse life goals and aspirations?
Growing Older
Given the rise in life expectancy rates, what effective financial planning strategies can be adopted to ensure adequate coverage for prospective healthcare expenses?
THE CFP® PROFESSIONAL
Obtaining the Certified Financial Planner (CFP®) certification is a rigorous process that requires individuals to demonstrate their dedication and expertise in the field. To earn the CFP® designation, candidates must complete a comprehensive education program, pass a challenging exam, accumulate years of relevant experience, and adhere to strict ethical standards.
At The Brown Biggins Group, we are proud to have a team of highly qualified and experienced CFP® professionals who are passionate about helping clients achieve their financial objectives. With their extensive knowledge and skills, they are well-equipped to provide personalized financial advice and guidance that aligns with each client's unique goals and circumstances.
As a client of ours, you can trust that you are working with professionals who have undergone rigorous training and have a deep understanding of the financial industry. We take a holistic approach to financial planning, taking into account various factors such as investments, taxes, retirement planning, estate planning, and risk management, among others. Please find below additional information regarding the CFP® designation and how our services can provide you valuable assistance:
At The Brown Biggins Group, we are proud to have a team of highly qualified and experienced CFP® professionals who are passionate about helping clients achieve their financial objectives. With their extensive knowledge and skills, they are well-equipped to provide personalized financial advice and guidance that aligns with each client's unique goals and circumstances.
As a client of ours, you can trust that you are working with professionals who have undergone rigorous training and have a deep understanding of the financial industry. We take a holistic approach to financial planning, taking into account various factors such as investments, taxes, retirement planning, estate planning, and risk management, among others. Please find below additional information regarding the CFP® designation and how our services can provide you valuable assistance:
Education
Completing a 2-3 year coursework program at a CFP® Board-approved institution is a crucial step for individuals seeking to become CFP® professionals. However, the education and learning process does not end there. Continuous education is required for recertification, ensuring that CFP® professionals remain well-versed in the latest financial planning knowledge and skills to provide exceptional service to their clients.
Examination
Earning the CFP® designation is a significant achievement in the competitive job market of financial planning. Candidates must pass a rigorous 7 hour exam that tests their knowledge of tax planning, retirement planning, investment management, estate planning, and insurance. The credential demonstrates professionalism and dedication to providing expert financial advice.
Experience
Individuals who wish to utilize the CFP® trademarks must first obtain certification as a financial planning professional under the CFP® designation. To earn this recognition, they must acquire a considerable amount of practical experience in financial planning services. This rigorous requirement ensures that only qualified and capable professionals are authorized to use the esteemed CFP® trademarks.
Ethics
As a CFP® professional, there is a paramount obligation to uphold the guiding principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. These ethical mandates are essential components of the CFP® Board's Code of Ethics, which underscores the profession's commitment to unparalleled standards of conduct. The Rules of Conduct further underscore the CFP® professional's duty to place the client's interests above all else, reflecting the profession's unwavering commitment to acting in the client's best interests.
CYBERSECURITY RESOURCE CENTER
At Morgan Stanley, we prioritize the protection of your information above all else. Our proactive approach involves a comprehensive range of robust measures designed to defend our systems and anticipate and address any potential issues before they can arise.
Our multi-layered security framework encompasses a range of safeguards that are carefully tailored to meet the unique needs of our clients. These include state-of-the-art encryption protocols that are rigorously designed to prevent unauthorized access to your data. Additionally, we employ continuous monitoring to detect and prevent fraudulent activity in your accounts in real-time, ensuring that your assets are safeguarded at all times.
To ensure that our systems remain secure and resilient, we conduct routine testing to identify and address potential vulnerabilities. Furthermore, we engage independent security firms to conduct thorough penetration testing of our applications and evaluate our processes. This external validation ensures that our security measures are robust and effective in safeguarding your information.
Our multi-layered security framework encompasses a range of safeguards that are carefully tailored to meet the unique needs of our clients. These include state-of-the-art encryption protocols that are rigorously designed to prevent unauthorized access to your data. Additionally, we employ continuous monitoring to detect and prevent fraudulent activity in your accounts in real-time, ensuring that your assets are safeguarded at all times.
To ensure that our systems remain secure and resilient, we conduct routine testing to identify and address potential vulnerabilities. Furthermore, we engage independent security firms to conduct thorough penetration testing of our applications and evaluate our processes. This external validation ensures that our security measures are robust and effective in safeguarding your information.
Online Security Center
Ensuring the protection of your assets and personal information is our top priority, and we provide extensive security protocols, coupled with a plethora of resources and insights, to aid you in safeguarding yourself against potential online threats.
Visit The Online Security Center
Protecting your Digital Footprint
Gain insights into proficient tactics for preemptively handling your virtual identity and safeguarding your personal data amidst the contemporary digital era.
Click Here To Learn More
Phone Security
Given the considerable amount of time most individuals dedicate to their smartphones in comparison to their computers, it is imperative to evaluate whether an equivalent effort is invested towards safeguarding the security of these devices, and this article aims to provide insight on why doing so is crucial.
Click Here To Learn More
Protecting Your Smart Device
The use of smart devices in our daily routines has made them repositories of our private data, including voice recordings, search histories, and other confidential information, thereby exposing us to potential security risks that underscore the need for proactive measures to protect oneself.
Click Here To Learn More
Staying Cybersafe on Vacation
As you embark on your vacation, it is crucial to bear in mind that cyber criminals remain active, and therefore, implementing these useful cybersecurity tips can assist you in safeguarding your digital assets during your absence.
Click Here To Learn More
Cybercrime Preparedness
Protect your personal information and achieve peace of mind by acquiring the knowledge and tools necessary to respond effectively in the event of an identity, account, device, or information compromise.
Click Here To Learn MoreLocation
444 East Main St
Ste 111
Lexington, KY 40507
US
Direct:
(859) 231-9555(859) 231-9555
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Emily K. Biggins today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
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
1When 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.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
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)
