Our Story and Services

Our team has over 130 years of financial experience across cycles and asset classes including private wealth management, equity and fixed income specializations, financial planning and asset allocation, investment banking, commodity brokerage and trading, private markets/ private equity sourcing and underwriting. The diversity and integration of our backgrounds has unlocked meaningful value and points of connectivity with our existing and new clients.

We work as an extension of individuals and their families, effectively operating as a family office. Our team collaborates with our clients on financial and estate planning and we build customized portfolios for individuals, their generations and businesses throughout various life stages. This aligns with our team’s complimentary and integrated background across asset classes as well as two generations of financial advisors. As we grow with families, we are aligned through our own team succession plan, which provides continuity and redundancy for clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Advice Matters

Not all advice is the same. Our advice is backed by advanced technology, exceptional insight and institutional scale that can't be found just anywhere.

Digital Tools

Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
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    Morgan Stanley Online
    Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:

    - eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
    - Managing your everyday finances such as paying bills online, sending money or transferring funds



    The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.
    Morgan Stanley Online
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    Asset Aggregation
    We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.

    The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
    Asset Aggregation
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    eDelivery
    eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
    eDelivery
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    Digital Vault
    Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
    Digital Vault

Upcoming Firm Events

We hope you will join us for this upcoming event.

U.S. Policy Pulse: 100 Days of Trump 2.0

DATE: April 24, 2025 at 4:15 p.m. ET

What do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.

4398292 04/2025
Online

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

1 Fawcett Place
3rd Floor
Greenwich, CT 06830
US
Direct:
(203) 625-4801(203) 625-4801

Meet The Cushman, Curry, Higbie, Daugherty Group

About Andrew L Cushman

Andy is an Executive Director and Senior Portfolio Management Director in the Private Wealth Management Division of Morgan Stanley. He has managed separate accounts for 38 years and has 45 years of investment experience in equity, fixed income, and balanced accounts. Andy joined Morgan Stanley in September 1989. Previously he was with Brown Brothers, Harriman & Co. where he spent 11 years as a portfolio manager. He began his career at Chemical Bank in 1975.

Andy is a 1975 graduate of the University of Virginia and holds a Bachelor of Arts, with distinction, in English. Andy resides with his wife Lyn in Greenwich, Connecticut. He has three grown children.
Securities Agent: DE, OH, NY, IL, WA, IN, VT, VA, MI, SC, PA, GA, TX, DC, CO, RI, NJ, MN, MA, UT, CT, AZ, MT, FL, CA, WV, OR, NC, ME, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1279260

About William Curry

Bill is a Financial Advisor in the Wealth Management Division of Morgan Stanley. He draws on institutional experience to help clients with their comprehensive wealth management needs, including, alternative assets, trust and estate planning, cash management, financial planning, lending services and insurance. Bill joined Morgan Stanley in January 2018. From 2015-2017 he was Vice President of Energy Markets with Evolution Markets, where he co-ran the Natural Gas desk. Prior to Evolution, he worked for ICAP United from 2009-2014, where he climbed the ranks to become a Senior Broker, and Branch Manager.

In addition, Bill was named to Forbes Magazine’s List of Best-in-State Next-Gen Wealth Advisors in 2024.

Bill is a 2008 graduate of The Ohio State University’s Max M. Fisher College of Business with a bachelor’s degree in Business Administration. While a student, Bill was a member of the Varsity Lacrosse team, where he was acknowledged as a four-year Scholar Athlete and three-time Academic All-Big Ten.

Bill lives with his wife, Julia, his son, Wick, and daughter, Caroline, in Long Island.

Forbes America’s Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23 - 3/31/24.
Securities Agent: NH, AZ, VA, NJ, SC, OR, GA, RI, MT, VT, MD, CA, FL, DE, CO, WA, OH, NY, MN, ME, TX, PA, MI, MA, WV, NC, DC, CT, UT, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1751502

About Carl Higbie

Carl has devoted an entire career to the financial services industry. He joined Morgan Stanley Wealth Management in 2013 after building a successful practice over eight years at UBS Financial Services. Previously, Carl managed a long/short equity portfolio at Graham Capital Management, a large well known hedge fund. Carl gained important equity and fixed income market experience as an investment banker for 19 years with the securities affiliate of the Toronto Dominion Bank and Salomon Brothers Inc. Carl began his career with General Motors in its New York treasurer’s office.

Carl is a 1974 graduate of Claremont McKenna College (BA economics) and a 1977 graduate of the Stanford University Graduate School of Business. Carl resides with his wife Maria in Greenwich, Connecticut. He has three grown children.
Securities Agent: CO, SC, NY, ME, WV, VT, VA, OH, NH, MA, IN, IL, FL, WA, RI, PA, OR, DE, CT, UT, NJ, NC, WI, MN, MD, TX, MI, CA, AZ, MT, GA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1255498

About Nina Daugherty

Nina is a Financial Advisor in Wealth Management. Prior to joining Morgan Stanley in 2023, Nina spent her career focused on alternatives, primarily private equity. She brings a background in asset allocation and advisory as well as sourcing and evaluating opportunities as a primary investor and on behalf of retail and institutional investors. Over the years and across cycles, Nina has evaluated and partnered with a broad and diverse opportunity set across different strategies, industries, sizes, geographies and managers.

More specifically, prior to joining Morgan Stanley, Nina worked at Stanwich Advisors, an independent investment bank focused exclusively on providing capital raising and advisory services to private equity firms and investors globally. Nina joined Stanwich Advisors in 2016 and was focused on origination, due diligence, distribution and helped with project management. Before Stanwich, Nina was a Brand Director with Pure Growth Partners, a consumer-packaged goods platform. She enjoyed working with all constituents and across all aspects of the business to execute multiple product lines from ideation / inception to on shelf. Prior to Pure Growth, Nina worked at Quilvest Private Equity, a global investment firm that started as a family office. At Quilvest, Nina specialized in co-investments and fund investments. She focused on underwriting opportunities and project management, honing her qualitative and quantitative due diligence skills across strategies and managers globally. Nina began her career at Lehman Brothers/ Neuberger Berman and spent a summer at the hedge fund, Moore Capital Management.

Nina graduated from Middlebury College with a Bachelor of Arts where she also played Varsity Ice Hockey and Field Hockey. After many years in NYC, Nina now lives in Greenwich with her son Charlie.
Securities Agent: WI, WY, IN, ME, NC, RI, UT, WV, WA, VT, VA, TX, TN, SC, PA, OR, OH, NY, NV, NJ, NH, MT, MN, MI, MD, MA, KS, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2561585

About Danielle Renzo

Danielle is a Wealth Management Associate in the Private Wealth Management (PWM) Division at Morgan Stanley. She graduated from Pace University, cum laude, in 2002 with a BA in Business Management. She joined Morgan Stanley in 2004 in the PWM Client Reporting division managing the Client/Performance reporting team, and became a Sales Associate in PWM in 2010. Currently, Danielle focuses on client service, reporting analysis, and trading for our team. She holds Series 7 and 66 registrations. Danielle lives in Westchester County with her husband and two children. She enjoys reading, traveling and spending time with her family.

About Shannon Daine

Shannon joined Morgan Stanley Wealth Management in 2021 as a Client Service Associate. After obtaining her Series 7 and Series 66 licenses, she became a Registered Client Service Associate in 2022. Prior to joining Morgan Stanley, she began her career in the financial services industry with Ameriprise Financial as a Client Services Manager.

Shannon graduated from Villanova University in 2021 with a B.A. in Political Science, as well as minors in Business and Spanish. She currently lives in Stamford, CT, and enjoys traveling and spending time with family and friends.
Wealth Management
Global Investment Office

Portfolio Insights

This is a video content

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

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 The Cushman, Curry, Higbie, Daugherty Group today.
Market Information Delayed 20 Minutes
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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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.

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Awards Disclosures
CRC 6491812 (04/2024)