Paul Payne
Vice President,
Financial Advisor
Direct:
(423) 752-4753(423) 752-4753
My Mission Statement
Helping families script their unique wealth planning story that can potentially impact future generations.
About Paul
Everyone has a story to tell. Your story is uniquely personal, full of people, places and life events that comprise the mosaic of your journey. It's our mission to understand your story and help you seek to achieve the ending that you desire.
Paul focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client’s needs and seeking to help ensure every strategy is grounded in understanding what each client wants to achieve. Access to the investment insights of Morgan Stanley helps address the various aspects of clients’ financial lives, and Paul is driven by a passion for striving to deliver excellent service and helping clients pursue their goals.
Paul grew up in Chattanooga, graduating from the University of Tennessee at Chattanooga in 1983 with a Biology Pre-Medicine degree before moving to Alabama for the next 33 years. He entered the financial services industry in 1985 with regional investment banking firm in Montgomery, spending the next nine years as a specialist focusing on municipal finance and tax-free bonds to cultivate his extensive knowledge in fixed income investments.
He joined Merrill Lynch Wealth Management in 1994, where he had been the lead advisor on his team since 2002. During his time in Montgomery, Paul served in various leadership roles within the Merrill office along with spending ten seasons as a chapel leader in the Tampa Bay Rays organization, serving as a state-champion high school softball coach and an award-winning freelance sports writer for The Montgomery Advertiser covering the University of Alabama football program. In 2021, Paul left Merrill Lynch to join Morgan Stanley.
Paul and his wife, Brenda, moved back to Chattanooga in 2016, building a home in the Southside neighborhood to be a part of the dynamic changes taking place in the community. He attends Calvary Chapel, where Brenda serves as a counselor Paul has served as chapel leader to the Chattanooga Lookouts. During his free time, Paul continues to write stories for Chattanoogan.com featuring local golf, Mocs basketball and events and people that intrigue him. He and Brenda have three grown children and four grandchildren.
Paul focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client’s needs and seeking to help ensure every strategy is grounded in understanding what each client wants to achieve. Access to the investment insights of Morgan Stanley helps address the various aspects of clients’ financial lives, and Paul is driven by a passion for striving to deliver excellent service and helping clients pursue their goals.
Paul grew up in Chattanooga, graduating from the University of Tennessee at Chattanooga in 1983 with a Biology Pre-Medicine degree before moving to Alabama for the next 33 years. He entered the financial services industry in 1985 with regional investment banking firm in Montgomery, spending the next nine years as a specialist focusing on municipal finance and tax-free bonds to cultivate his extensive knowledge in fixed income investments.
He joined Merrill Lynch Wealth Management in 1994, where he had been the lead advisor on his team since 2002. During his time in Montgomery, Paul served in various leadership roles within the Merrill office along with spending ten seasons as a chapel leader in the Tampa Bay Rays organization, serving as a state-champion high school softball coach and an award-winning freelance sports writer for The Montgomery Advertiser covering the University of Alabama football program. In 2021, Paul left Merrill Lynch to join Morgan Stanley.
Paul and his wife, Brenda, moved back to Chattanooga in 2016, building a home in the Southside neighborhood to be a part of the dynamic changes taking place in the community. He attends Calvary Chapel, where Brenda serves as a counselor Paul has served as chapel leader to the Chattanooga Lookouts. During his free time, Paul continues to write stories for Chattanoogan.com featuring local golf, Mocs basketball and events and people that intrigue him. He and Brenda have three grown children and four grandchildren.
Securities Agent: AL, MA, TX, MN, CO, SC, IL, NY, TN, NV, GA, WV, FL, CT, PA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 510850
NMLS#: 510850
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Hearing Your Story
Everyone has a story to tell, and each one is different. Woven throughout your story are the hallmarks that make each of you unique. It recounts the values, principles, sacrifices, success and failures that provide a distinct framework to the story of your family or business.
It’s our job to listen to your story, to understand your goals, and develop appropriate plans that strive to see your story successfully unfold. Listening has become a lost art in today’s culture. There is an abundance of information that is readily available, but having someone to help guide you in finding appropriate solutions to the issues that keep you awake at night has become more challenging.
Our mission is to understand you and your priorities. It takes time and involves asking smart, probing questions. We listen carefully to understand, in great detail, exactly where your wealth stands today, and the future aspirations you have for tomorrow. We help you design, implement and periodically review a customized wealth management strategy that helps you and your family pursue your financial goals with the appropriate amount of investment risk. Our approach is about having a discussion about your dreams, then using wealth to help turn those goals into reality.
When you succeed, we succeed. We want to hear your story.
It’s our job to listen to your story, to understand your goals, and develop appropriate plans that strive to see your story successfully unfold. Listening has become a lost art in today’s culture. There is an abundance of information that is readily available, but having someone to help guide you in finding appropriate solutions to the issues that keep you awake at night has become more challenging.
Our mission is to understand you and your priorities. It takes time and involves asking smart, probing questions. We listen carefully to understand, in great detail, exactly where your wealth stands today, and the future aspirations you have for tomorrow. We help you design, implement and periodically review a customized wealth management strategy that helps you and your family pursue your financial goals with the appropriate amount of investment risk. Our approach is about having a discussion about your dreams, then using wealth to help turn those goals into reality.
When you succeed, we succeed. We want to hear your story.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
We believe that financial independence can be achieved when you’re able to make investment-related decisions and trade-offs that can help you reach personally meaningful goals. So whether you’re planning your retirement, saving to buy a home or fund a child’s education, we start by getting to know you and how you feel about the following seven life priorities.
Health:
Managing healthcare expenses, now and in the future
Home:
Upsizing, downsizing, remodeling or buying a vacation home
Family:
Taking care of your family and other people in your life
Leisure:
Spending your free time in meaningful ways
Giving:
Volunteering, mentoring others and giving to charities
Work:
Working in retirement, selling or starting a business
Finance:
Bringing it all together and defining your financial goals
Client Service Team
Kelly Roberts - Registered Client Service Associate
Phone:
(423) 752-4719(423) 752-4719
Email:Kelly.H.Roberts@morganstanley.com
Kelly excels in streamlining the client experience for the team through her role as a Registered Client Service Associate. She came to Morgan Stanley in 2015, having previously worked in the banking industry in New York and Chattanooga.
She is a native of Homestead, FL and graduated from Susquehanna University with a degree in International Studies. Kelly served six years in the United States Marine Corps after college, an experience that provided the discipline and structure to help provide exceptional client service to the clients she serves.
Kelly and her husband, Derek, live in north Georgia and she loves building relationships with our team's clients. Her outside interests include spending time with family, travelling and physical fitness.
She is a native of Homestead, FL and graduated from Susquehanna University with a degree in International Studies. Kelly served six years in the United States Marine Corps after college, an experience that provided the discipline and structure to help provide exceptional client service to the clients she serves.
Kelly and her husband, Derek, live in north Georgia and she loves building relationships with our team's clients. Her outside interests include spending time with family, travelling and physical fitness.
Location
820 Broad Street, 1st
Floor
Chattanooga, TN 37402
US
Direct:
(423) 752-4753(423) 752-4753
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
The Robots are Coming
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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 Paul Payne today.
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
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)
