Phone:
(859) 231-9527(859) 231-9527
Industry Award WinnerOur Mission Statement
Most of us are bombarded daily by far too much noise. We strive to maximize outcomes and reduce financial distractions for multi-generational families and professionals through our “3-P” Approach.
Our Story and Services
In a world full of distractions, it's easy to lose focus and get caught up in the noise. Our goal is to help reduce these distractions, so you can concentrate on the essential actions that will drive the most meaningful change in your life. We believe this starts with giving back- to our families, to you, and to our communities.
The key to our practice is our 3-P method: Process, Planning, Portfolios. We have a disciplined Process for everything we do, and it starts with having meaningful conversations with you. From these conversations, we develop a comprehensive Plan that is quantifiable, measurable, and monitored. It is only then that we can build Portfolios that can match the risks you are willing to take to help achieve your needs, wants, and wishes.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
https://www.morganstanley.com/disclosures/awards-disclosure.html
The key to our practice is our 3-P method: Process, Planning, Portfolios. We have a disciplined Process for everything we do, and it starts with having meaningful conversations with you. From these conversations, we develop a comprehensive Plan that is quantifiable, measurable, and monitored. It is only then that we can build Portfolios that can match the risks you are willing to take to help achieve your needs, wants, and wishes.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
https://www.morganstanley.com/disclosures/awards-disclosure.html
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The “3-P” Approach
Process – At The Jim Richardson Group, we customize your wealth management profile to your investment objectives and constraints. We consider your current financial situation and values, no matter how complicated. Our meeting process will formulate a custom experience tailored to help meet your family's needs.
Planning – By using the diverse tools at our disposal, we first cast a wide net, overarching your financial and non-financial considerations before narrowing in on a custom financial plan. We take client's year by year through their plan and adjust for targeted dates like retirement, schooling, weddings, property purchases or even that dream vacation. Our job is to turn your financial picture from a telescope to a miscoscope.
Portfolio – Once we have established a financial plan, a client will be placed in a portfolio that is appropriate to help meet their objectives. Whether it be a young professional accumulating wealth or a retired business owner seeking income, we will find, create or match a portfolio strategy that can help your financial life prosper.
Giving Back
At The Jim Richardson Group, our focus is on service- both to our clients and to our community. We believe in the power of giving back, creating lasting, positive change through philanthropy. By actively supporting meaningful causes around our communities, we seek to create a lasting legacy, and encourage you to contribute to a positive change about which you are passionate.
Client Resource Center
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice
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Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you could benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Sign In and Get Started >Planning for Retirement
No matter the stage in life, it is important to be aware of where you stand financially, related to your retirement plan. These resources below will help you assess where you stand, or assist you in getting started. Jim Richardson and his Service Team can help have these meaningful conversations with you, today.
A Simple Six-Step Retirement Checkup
Given recent market volatility, checking in on your retirement plan may make a lot of sense.
You're Ready for Retirement, Is Your Portfolio?
The market can influence your decision of when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.
Making the Most of Your Retirement Savings
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Why Your Home Can Be a Retirement Asset
If you're willing to consider drawing down home equity-either by selling your home or borrowing against its value-it can dramatically change your retirement outlook.
Location
444 East Main St
Ste 111
Lexington, KY 40507
US
Direct:
(859) 231-9500(859) 231-9500
Meet The Jim Richardson Group
Phone:
(859) 231-9504(859) 231-9504
Charles Cummings
Financial Advisor
Phone:
(859) 231-9554(859) 231-9554
Catherine Walker
Client Service Associate
Phone:
(859) 231-9507(859) 231-9507
About Jim Richardson
Former musician, English teacher, turned CERTIFIED FINANCIAL PLANNER® & Certified Portfolio Manager. On top of Jim’s wide range of professions he has been in the financial industry for over 30 years. A teacher at heart, he focuses his business methods strongly on learning and relearning. As a Family Wealth Advisor Jim finds it extremely important that he help clients make the right decisions with their money, but also that they understand the terminology and WHY certain options are more appropriate than others, dependent upon that client’s unique situation.
When he’s not working you can find him at the theatre, skiing with family, performing at Henry Clay’s Public House, or spending quality time with his favorite girls, granddaughters Reese Catherine and Parker Elizabeth. Jim’s involvement extends to his community as well. Throughout his career he has dedicated time to the Kentucky Children’s Hospital where he is on the Development Council, and the UK Alumni Association. Fall 2014, Jim was nationally recognized as one of three finalists for the Lifetime Achievement Award presented by the Invest in Others Charitable Foundation for his ongoing commitment to the Lexington Dream Factory; an organization he co-founded with his wife Stacey. NMLS#: 1255648
When he’s not working you can find him at the theatre, skiing with family, performing at Henry Clay’s Public House, or spending quality time with his favorite girls, granddaughters Reese Catherine and Parker Elizabeth. Jim’s involvement extends to his community as well. Throughout his career he has dedicated time to the Kentucky Children’s Hospital where he is on the Development Council, and the UK Alumni Association. Fall 2014, Jim was nationally recognized as one of three finalists for the Lifetime Achievement Award presented by the Invest in Others Charitable Foundation for his ongoing commitment to the Lexington Dream Factory; an organization he co-founded with his wife Stacey. NMLS#: 1255648
Securities Agent: MI, NE, NJ, NM, NY, OH, OK, PA, SC, TN, TX, UT, VA, WI, WV, MD, NC, AL, AR, AZ, CA, DC, FL, GA, ID, IL, IN, KS, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255648
NMLS#: 1255648
About Walker Borders
Finding unique solutions for business owners and aspiring professionals is what excites Walker on his way to work each day. As a recent graduate of Columbia University with his Masters in Wealth Management, Walker relies on his robust educational background to provide high quality advice to the Commonwealth and beyond. He is a staunch believer that thorough Financial Planning is directly correlated to building healthy communities and strengthening familial bonds.
Growing up in Bowling Green, KY, Walker always had an interest in finance and helping others. Working in a service role at a large financial institution was the perfect fit. Walker attended the University of Kentucky and graduated with honors in both Finance and Accounting. During his senior year, he interned at Morgan Stanley and after earning his degree, joined the firm full-time. Walker holds his FINRA Series 7 and 66 licenses, as well as his life and health insurance licenses.
Today, Walker calls Lexington his home. He volunteers as a mentor for Amachi Central Kentucky and is a member of the Rotaract Club of Lexington. Outside of the office, Walker loves to be outside. He enjoys running, playing golf and attending concerts, but his favorite activity is spending time with his large extended family.
Growing up in Bowling Green, KY, Walker always had an interest in finance and helping others. Working in a service role at a large financial institution was the perfect fit. Walker attended the University of Kentucky and graduated with honors in both Finance and Accounting. During his senior year, he interned at Morgan Stanley and after earning his degree, joined the firm full-time. Walker holds his FINRA Series 7 and 66 licenses, as well as his life and health insurance licenses.
Today, Walker calls Lexington his home. He volunteers as a mentor for Amachi Central Kentucky and is a member of the Rotaract Club of Lexington. Outside of the office, Walker loves to be outside. He enjoys running, playing golf and attending concerts, but his favorite activity is spending time with his large extended family.
Securities Agent: IL, ID, CO, WI, VT, SD, MS, MN, WY, VI, PR, OR, NM, MD, DC, AR, VA, PA, OH, NY, NE, DE, CT, AK, IA, AZ, TN, KY, IN, HI, CA, UT, ND, MI, GA, WV, TX, NC, MA, LA, FL, AL, WA, SC, NV, NH, ME, KS, RI, OK, NJ, MT, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2509754
NMLS#: 2509754
About Charles Cummings
Securities Agent: FL, AL, SD, ME, OR, ND, MO, ID, DC, RI, NM, MS, MN, MI, LA, IL, VA, NH, HI, AK, WV, PA, NJ, NC, MD, MA, KY, IN, VI, TX, KS, IA, CT, WA, VT, UT, NY, TN, PR, OK, NV, NE, MT, CA, AZ, GA, DE, CO, AR, WY, WI, SC, OH; General Securities Representative; Investment Advisor Representative
About Catherine Walker
Catherine is completing her degree in Finance at the University of Kentucky and will graduate in May of 2026. Originally from Bowling Green, Kentucky, she has distinguished herself through a high level of professionalism, strong attention to detail, and a consistent commitment to delivering exceptional client service.
Through her academic and professional experiences, Catherine has cultivated a deep appreciation for the importance of thoughtful financial planning and client service. These experiences have strengthened her analytical capabilities, attention to detail, and the ability to support client-facing teams. She values clear communication and takes pride in providing reliable, high-quality service to help ensure clients feel supported and informed.
As the youngest in her family, with two older sisters and an aunt to two little boys, Catherine grew up in a family deeply rooted in the Finance industry. This early exposure to financial discussions helped shape her foundational understanding of Finance and appreciation for long-term planning.
Outside of the office, Catherine is passionate about community involvement and services and aims to reflect those principles in both her professional and personal life. She is an active ambassador for the nonprofit Love-One International Organization and enjoys spending time with friends and family, staying active, and giving back to causes that align with her values.
Through her academic and professional experiences, Catherine has cultivated a deep appreciation for the importance of thoughtful financial planning and client service. These experiences have strengthened her analytical capabilities, attention to detail, and the ability to support client-facing teams. She values clear communication and takes pride in providing reliable, high-quality service to help ensure clients feel supported and informed.
As the youngest in her family, with two older sisters and an aunt to two little boys, Catherine grew up in a family deeply rooted in the Finance industry. This early exposure to financial discussions helped shape her foundational understanding of Finance and appreciation for long-term planning.
Outside of the office, Catherine is passionate about community involvement and services and aims to reflect those principles in both her professional and personal life. She is an active ambassador for the nonprofit Love-One International Organization and enjoys spending time with friends and family, staying active, and giving back to causes that align with her values.
Contact Jim Richardson
Contact Walker Borders
Contact Charles Cummings
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Robert Petersen
Private Banker
Mark Jansen
Family Office Resources Generalist
Zachary Stuck
Vice President, Financial Planning Director
Max Keating
Planning Associate
Samantha Sylvester
Trust Specialist
About Robert Petersen
Robert Petersen is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee, Kentucky, and West Virginia..
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1995 and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1995 and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
NMLS#: 799938
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
About Zachary Stuck
Zachary Stuck is a vice president and financial planning director serving Morgan Stanley’s Wealth Management offices in Kentucky, Tennessee, and West Virginia. He is responsible for helping financial advisors with their clients’ and prospects’ complex financial planning needs.
Zachary began his career in financial services in 2015 and joined Morgan Stanley in 2024. Prior to his current position, he was part of a national financial planning team serving clients in all 50 states. While in that role, he helped develop the financial planning process, defined the deliverables, and refined the client experience.
Zachary graduated from University of Louisville with a bachelor’s degree in finance. He went on to get an MBA and a master’s degree in Personal Financial Planning. He holds the CERTIFIED FINANCIAL PLANNER™, Chartered Financial Consultant®, and Chartered Retirement Plan Advisor® designations. Zachary Stuck lives in Louisville, KY, with his wife, Chloe; daughter, Laney; son, Lawson; and pup, Louie. Outside of work, he enjoys golf, pickleball, snowboarding, and watching football with his family.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Zachary began his career in financial services in 2015 and joined Morgan Stanley in 2024. Prior to his current position, he was part of a national financial planning team serving clients in all 50 states. While in that role, he helped develop the financial planning process, defined the deliverables, and refined the client experience.
Zachary graduated from University of Louisville with a bachelor’s degree in finance. He went on to get an MBA and a master’s degree in Personal Financial Planning. He holds the CERTIFIED FINANCIAL PLANNER™, Chartered Financial Consultant®, and Chartered Retirement Plan Advisor® designations. Zachary Stuck lives in Louisville, KY, with his wife, Chloe; daughter, Laney; son, Lawson; and pup, Louie. Outside of work, he enjoys golf, pickleball, snowboarding, and watching football with his family.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
About Max Keating
Max Keating is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, He collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, He will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Max provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Gettysburg College and received the Financial Planning Specialist® designation from the College for Financial Planning. Max is originally from Wilton Connecticut and currently resides in New York City.
He earned his undergraduate degree from Gettysburg College and received the Financial Planning Specialist® designation from the College for Financial Planning. Max is originally from Wilton Connecticut and currently resides in New York City.
About Samantha Sylvester
Samantha Sylvester is an Executive Director and Trust Specialist for Morgan Stanley. Samantha has over 21
years of experience in the wealth management industry, including more than 15 years dedicated to trust and
fiduciary services. She spent the past ten years as a Wealth Strategies Advisor with Bank of America, where she
partnered with Merrill Financial Advisors to deepen client relationships and retain assets by delivering Bank of
America/U.S. Trust fiduciary and wealth structuring capabilities to clients and prospective clients. In that role,
Samantha served as the Market Leader for the Mid-Atlantic region and previously supported the Northern
California market.
Throughout her career, Samantha has held progressive leadership roles within wealth management and trust
organizations and has been instrumental in enhancing client experience and driving growth in fiduciary services.
Her expertise spans trust administration, settlement, and philanthropic planning.
Samantha earned a Bachelor of Arts in Economics from Rutgers University and her MBA from Rider College. She
resides in Port Saint Lucie, FL, where she enjoys spending time with her husband and two daughters.
years of experience in the wealth management industry, including more than 15 years dedicated to trust and
fiduciary services. She spent the past ten years as a Wealth Strategies Advisor with Bank of America, where she
partnered with Merrill Financial Advisors to deepen client relationships and retain assets by delivering Bank of
America/U.S. Trust fiduciary and wealth structuring capabilities to clients and prospective clients. In that role,
Samantha served as the Market Leader for the Mid-Atlantic region and previously supported the Northern
California market.
Throughout her career, Samantha has held progressive leadership roles within wealth management and trust
organizations and has been instrumental in enhancing client experience and driving growth in fiduciary services.
Her expertise spans trust administration, settlement, and philanthropic planning.
Samantha earned a Bachelor of Arts in Economics from Rutgers University and her MBA from Rider College. She
resides in Port Saint Lucie, FL, where she enjoys spending time with her husband and two daughters.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
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.
Wealth Management
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The Jim Richardson Group Named to 2025 Forbes Best-In-State Wealth Management Teams List
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Portfolio Insights
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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A Simple Six-Step Retirement Checkup
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Iran Conflict: Seven Takeaways for Investors
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Ready to start a conversation? Contact The Jim Richardson Group 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), 4763067 (9/2025)
