My Story and Services

Taylor McCullers is a Financial Planning Specialist and Financial Advisor with the Lighthouse Wealth Management Group. Taylor’s primary focus is helping clients through a transition in life: new marriage, birth of a new family member, divorce, career change or retirement, death of a family member and receipt of an inheritance. She has dedicated her research to understanding the intricacies of these big, life changing, financial transactions. As a CERTIFIED FINANCIAL PLANNER and Certified Divorce Financial Analyst, Taylor has extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits, and retirement planning strategies. Taylor’s clients benefit from her fresh perspectives and especially value the fact that she will be with them at every stage of their financial journey and life and represent them with passion, enthusiasm, and endless energy.

Taylor is a Jacksonville Native and lives on the westside of Jacksonville with her husband, who is also named Taylor, and their two kids; Ansley and Shane. She is a graduate of the University of North Florida with a Bachelor’s degree in Finance and Financial Services, with a Concentration in Financial Planning and a minor in Economics. Taylor was also chosen by her professors at UNF as the Financial Services student of the year, her senior year. From there she joined Merrill Lynch as a licensed trade specialist. Deciding that she wanted to be able to develop deeper relationships with her clients she moved to private wealth management and became a Financial Advisor in 2019. Her favorite part about her role is getting to make a difference in the lives of her clients and their families for generations to come.
Services Include
Securities Agent: GA, AR, SC, NH, MA, CA, MI, VT, ME, LA, HI, CT, PA, NC, MN, WA, UT, PR, NE, KY, VA, OR, NM, MS, WY, OK, OH, NV, MT, CO, NY, MO, IN, IL, DC, AZ, AL, TN, ID, FL, DE, WI, TX, NJ, MD, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1885189
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

About Me

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I have invested the time to earn and maintain specialized industy credentials as well as internal designations so I can better serve my clients and address their diverse financial needs and complex wealth situations.

CERTIFIED FINANCIAL PLANNER (CFP®)

The Certified Financial Planner certification, granted by the CFP Board, is widely considered the gold standard for financial planning professionals. With this comes extensive training in financial planning, estate planning, insurance, taxes, employee benefits, and retirement planning strategies, as well as in the CFP Board's Standards of Professional Conduct, which are rigorously enforced.

What it means to you: I understand a broad spectrum of financial concerns and can help build plans to address them.

CERTIFIED DIVORCE FINANCIAL ANALYST (CDFA®)

The Certified Divorce Financial Analyst designation is granted by the Institute for Divorce Financial Analyst (IDFA®). IDFA provides specialized training to professionals in the field of pre-divorce financial analysis, including: personal vs. marital property, valuing and dividing property, retirement assets and pensions, spousal and child support, splitting the house, and tax considerations affecting divorce.

What it means to you: I can help you understand your options and make sound financial decisions during what could potentially be the biggest financial transaction of your life- divorce.

FINANCIAL PLANNING SPECIALIST

This internal designation is bestowed on Morgan Stanley financial advisors who have extensive experience creating and presenting financial plans to high net worth clients. I am proficent in Morgan Stanley's powerful financial planning software and have the ability to model out compeiting financial priorties and different financial stratgies to caculate how to achieve the highest probability of success possible while taking on the least amount of risk.

What it means to you: You can have confidence that the personal financial plan we create together will uncover anything out there that can hurt you and any opprotunity you haven't yet taken advantage of.

Education

I graduated from University of North Florida, with Bachelor of Business Administration (B.B.A.); double major in Finance and Financial Planning and minor in Economics. I was chosen by the UNF Faculty and Staff as the Financial Services student of the year for 2018.

What it means to you: I have a strong understanding of economics and is well versed in the equity and fixed income markets.

Transition Specialist

Taylor specializes in helping clients navigate through major life events and the financial implications that come with them. She understands how life transitions change financial situations and has the comprehensive knowledge and skills necessary to guide clients through a variety of transitions. She strives to show empathy and listen carefully to each client's unique needs and emotions in order to make appropriate recommendations.

During this process we focus on the four stages of a transition and use them to guide clients through a successful transition during the uncertain and often chaotic times they're facing. These four stages include:

  1. Anticipation
  2. Ending
  3. Passage
  4. New Normal. This is the most improtant phase. We work to help clients make better decisions for themselves and their future. Opening their eyes to the idea that changing circumstances are not always negative and stressful. Instead, they can serve as the ideal opportunities for personal growth and financial enhancement.

Transitions are an unavoidable fact of life and how you navigated them can impact your finances greatly. It is best to work with someone who has already sucessfully helped many others through the same problems you are facing.

    Divorce

    Divorce can turn the best laid financial plans upside down. An income stream dries up, assets have to be divided; in short, where life had a feeling of certainty before, you may now be standing on shifting ground. It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions.

    Retirement

    No matter how well you save during the wealth accumulation phase of your life, it's critical to plan how you convert your assets to income. The strategies you use when drawing down your retirement savings can have a significant impact on how much you'll pay in taxes and may help you keep more of your returns. Each retiree's situation is different, but more often then not your financial situation gets more complex in retirement not simpler. We can help you navigate the challenges that may arise.

    Job Change

    For most Americans, wealth building begins at work. As you progess through your career your compensation package can become more complex and your lifestyle expenses tend to rise along with compensation. We can help you make the most of the compensation and benefits you receive through your employer and make strategic choices when you receive a bonus or raise at work to help reach your big picture financial goals more quickly.

    Death of Loved One

    Dealing with the loss of a loved one combined with the processing of paperwork, administering the decedent's estate, and ensuring the future financial security of the family left behind can take its toll. When you're ready to discuss financial affairs, we are prepared to help guide you in making the important financial decisions, to determine whats next.

The Lighthouse Wealth Management Group

I am a memeber of a larger team at Morgan Stanley, the Lighthouse Wealth Management group. At Lighthouse Wealth Management Group, we strive to have old school grit combined with new world ideas.
Innovative by nature, we seek out new capabilities to create greater opportunities for our clients, yet our fundamental outlook is decidedly "old school." We value loyalty to each other and to the individuals and families we serve every day. We have deep roots in our community and a deeper commitment to sustaining its character for future generations.

Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. They have grown to depend on our proactive, high service model that is specially designed to ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, our clients appreciate our true passion for finding solutions to their specific life challenges.

Lighthouse is a multigenerational team serving multigenerational families, proud of the fact that many of our clients have been with us for more than 20 years. We are honored to work with their children and grandchildren, and often their parents. We work seamlessly to provide exceptional service, objective guidance and results-driven strategies. When you work with one of us, you get the best of all of us.

    Forbes Best-In-State Wealth Management Team

    We are proud to share The Lighthouse Wealth Management Group has been ranked by Forbes as one of the Best-In-State Wealth Management Teams for the third year in a row.

    Named to Forbes Best-In-State Wealth Management Teams 2023, 2024, and 2025

    Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.

    Barron's Top 250 Private Wealth Management Teams

    We are excited to share The Lighthouse Wealth Management Group has been ranked on Barron's 2025 Top 250 Private Wealth Management Teams for the second year in a row.

    Named to Barron's Top 250 Private Wealth Management Teams for 2024 and 2025.

    Source: Barron's (Awarded 2024, 2025). Data compiled by Barron's based on 12-month time period concluding in December of year prior to the issuance of the award.

Location

50 A1a North
Ste 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 543-6931(904) 543-6931

Awards and Recognition

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
LifeView® Advisor Client Questionnaire
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LifeView® Advisor Client Questionnaire

The form will help define and prioritize your goals as well as help identify your financial resources.

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
2025 Midyear Economic Outlook: A Widespread Deceleration
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2025 Midyear Economic Outlook: A Widespread Deceleration

Global growth is likely to slow in 2025 and 2026 as the shock of higher U.S. tariffs crimps demand around the world.

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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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Taylor McCullers today.
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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.

1Morgan 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2When 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.

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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

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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, charitable giving, philanthropic planning and other legal matters.

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5Morgan 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.

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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.

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7Morgan 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.

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8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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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.

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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)