James M Keel
Senior Vice President, Financial Advisor, Senior Institutional Consultant
Phone:
(770) 933-3046(770) 933-3046
The Legacy Group of Atlanta at Morgan Stanley
Direct:
(770) 933-3000(770) 933-3000
Toll-Free:
(800) 843-8729(800) 843-8729
Industry Award WinnerOur Mission Statement
We assist our clients in achieving financial freedom through thoughtful financial planning, thorough/ongoing risk analysis, and institutional access and execution.
Our Story
The Legacy Group of Atlanta is a full-service wealth management team with over 150 years of cumulative experience at Morgan Stanley or predecessor firms. In addition: we have aligned ourselves with the firms’ leading service providers in many areas of our business. Some of these include leading internal portfolio management strategies, access to a top ultra high net worth business transition and estate planning team, and one of the firm’s most recognized corporate services groups. Through a detailed planning process, we advise our clients on how to position themselves and their balance sheets appropriately for their stated goals. We help manage the burden of our clients’ day-to-day cash flows through a disciplined and reliable process, so they can live their lives with confidence. We believe financial freedom is a product of financial confidence.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Cash ManagementFootnote4
- Financial PlanningFootnote5
- Fixed IncomeFootnote6
- Lending Products
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Structured ProductsFootnote9
- Wealth Consulting
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
RETIREMENT NAVIGATION PROCESS
If you and your family were having a discussion three years from today, and you were to look back over those three years to today, what has to have happened, both personally and professionally, for you to feel happy about your progress?
It's an important question to answer because it helps identify your family's Dangers, Opportunities, and Strengths (D.O.S). Over the years, our team has developed and refined the 8-Step Retirement Navigation Process (RNP).
It's specifically designed to address your D.O.S. and develop a comprehensive plan to help deliver clarity and confidence during your retirement journey.
It's an important question to answer because it helps identify your family's Dangers, Opportunities, and Strengths (D.O.S). Over the years, our team has developed and refined the 8-Step Retirement Navigation Process (RNP).
It's specifically designed to address your D.O.S. and develop a comprehensive plan to help deliver clarity and confidence during your retirement journey.
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Your retirement income gap is the amount above your fixed income needed to live on. The additional amount will likely need to be generated by your investments. We can design a custom retirement income plan for you and your family.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are one of the keys to success. During retirement however, withdrawal rates matter.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
SERVICES
As your wealth increases and financial situation broadens, we are here to help by offering these services:
Trust Services
Our trustee platform is “open architecture,” meaning that we provide clients with access to an appropriate third-party corporate trustee for your trust account. Trust specialists, within Morgan Stanley, analyze client situations and then suggest a solution for your needs and goals.
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
High Net Worth Lending
At Morgan Stanley, you have access to a full range of lending and cash management solutions and resources to help you with your financial needs. We can provide a full liability and liquidity review to help you identify strategies that can potentially give you additional flexibility and help you achieve your goals.
Insurance Solutions
Many ultra-high net worth families have tax planning, wealth transfer and philanthropic needs that may be met by sophisticated insurance solutions. Working with insurance general agents, we deliver comprehensive analysis and recommendations as part of the overall planning process.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Lifestyle Advice
We provide bespoke solutions and access to knowledgeable, highly personal specialists to help meet our clients’ exceptional needs, from the everyday to the extraordinary.
Philanthropic Management
With the right advice, your good intentions can become your greatest legacy. We deliver the information, advice and support needed to help and define your philanthropic and a create an effective strategy to help reach them.
Family Governance
Morgan Stanley’s Family Governance group helps UHNW families strive to maximize the value of their human capital by helping preserve their shared values, and create an enduring family legacy, seeking to make it more likely that descendants will lead meaningful, fulfilled, and engaged lives.
Wealth Education
The family wealth education curriculum includes subject matter that family members must understand if they are to manage generational wealth and become effective stewards. It includes topics such as personal finance, philanthropy, investing and more.
Estate & Financial Planning Strategies
We discuss various tax, trust and estate strategies with you, helping facilitate the implementation of those strategies, as well as focus on the integration of your investment plans. It is our goal to understand what trust, tax, and estate structures and planning are in place and frame it pictorially in a trust map to understand how assets might flow from one generation to the next.
Creating Your Plan
At the Legacy Group of Atlanta, the focus is on our clients. Our clients experience an in-depth information gathering effort to better understand their unique circumstances, their goals and their motivations. This process encompasses their loved ones and their closely-held businesses.
The three main facets of our business model are 1) financial planning 2) portfolio construction & 3) risk management. They work concurrently together to form our three-legged stool approach. The critical first step is a thorough discovery exercise which enables the formation of a customized financial plan with ongoing monitoring. Portfolio Construction is the second step of our process. This is where we work to properly align a series of proprietary and institutionally-priced money managers that work in tandem striving to produce a high level of success in helping achieve the stated financial planning goals. These goals include cash flow generation, relative market outperformance, charitable inclinations, or legacy planning.
Once we have identified a specific asset allocation during portfolio construction, we overlay an ongoing risk mitigation and monitoring process. This can ensure that we are helping achieve our stated financial goals while managing variability and volatility along the way.
The vision of the Legacy Group of Atlanta is to help empower our clients to live the life they aspire to with financial confidence.
The three main facets of our business model are 1) financial planning 2) portfolio construction & 3) risk management. They work concurrently together to form our three-legged stool approach. The critical first step is a thorough discovery exercise which enables the formation of a customized financial plan with ongoing monitoring. Portfolio Construction is the second step of our process. This is where we work to properly align a series of proprietary and institutionally-priced money managers that work in tandem striving to produce a high level of success in helping achieve the stated financial planning goals. These goals include cash flow generation, relative market outperformance, charitable inclinations, or legacy planning.
Once we have identified a specific asset allocation during portfolio construction, we overlay an ongoing risk mitigation and monitoring process. This can ensure that we are helping achieve our stated financial goals while managing variability and volatility along the way.
The vision of the Legacy Group of Atlanta is to help empower our clients to live the life they aspire to with financial confidence.
VALUABLE TOOLS AND RESOURCE
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Morgan Stanley Online
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth View
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Digital Vault
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Online Security Center
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest EpisodeLocation
5 Concourse Pkwy
Ste 2000
Atlanta, GA 30328
US
Direct:
(770) 933-3000(770) 933-3000
Toll-Free:
(800) 843-8729(800) 843-8729
Meet The Legacy Group of Atlanta
Shay Womack
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(770) 933-3004(770) 933-3004
Austin Keel
First Vice President, Financial Advisor, Alternative Investments Director
Phone:
(770) 933-3047(770) 933-3047
Financial Advisor, Financial Advisor – Wealth Management, Financial Planning Specialist
Phone:
(770) 687-5044(770) 687-5044
Victoria Moore
Senior Registered Associate
Phone:
(770) 698-2107(770) 698-2107
Elizabeth Terrell
Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(770) 933-3132(770) 933-3132
Andrea Crase
Registered Client Service Associate
Phone:
(770) 933-3099(770) 933-3099
About James M Keel
Jim began his career with Smith Barney in 1983 after working in the engineering field for seven years. He focuses on wealth management and investment planning for the team and is also a Corporate Client Group Director in the area of restricted stock purchases and dispositions. Jim’s primary focus is ensuring that clients have a comprehensive plan to help them achieve and sustain their desired lifestyle throughout retirement, using the tools and extensive support and expertise available through Morgan Stanley. In his 30+ years as a Financial Advisor, Jim has worked primarily with public company executives and mid-size business owners, and whether recently retired or a young family, Jim endeavors to help his clients feel comfortable preparing for retirement.
Jim received both his Bachelor and Master of Science in Engineering from The Georgia Institute of Technology and draws from his engineering background, bringing multiple variables into play, to solve and set objectives. An avid reader and accomplished musician, Jim also enjoys playing golf and spending time with his family.
Jim received both his Bachelor and Master of Science in Engineering from The Georgia Institute of Technology and draws from his engineering background, bringing multiple variables into play, to solve and set objectives. An avid reader and accomplished musician, Jim also enjoys playing golf and spending time with his family.
Securities Agent: NE, MO, VI, GA, WV, PA, CO, CA, AZ, NC, MA, HI, AL, VA, UT, NY, MS, ID, DC, CT, TN, SC, KY, FL, AR, TX, MD, IL, OH, WA, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262045
NMLS#: 1262045
About Shay Womack
Shay began his career with Morgan Stanley in 2013. Drawing on his background in the hedge fund, equity research and venture debt world, Shay now applies statistical analysis to private wealth management in order to mitigate risk and optimize performance throughout the portfolio management process. He brings a keen analytical eye and fundamentally-driven research process to the team, whether applied to the investment manager selection process or individual security selection.
Shay received a golf scholarship from Rhodes College and graduated with a degree in International Studies and Business. An Atlanta native, he has an affinity for the outdoors and is an avid fly-fisherman, golfer and snowboarder.
Shay received a golf scholarship from Rhodes College and graduated with a degree in International Studies and Business. An Atlanta native, he has an affinity for the outdoors and is an avid fly-fisherman, golfer and snowboarder.
Securities Agent: WA, VI, UT, TX, TN, PA, OH, NY, NJ, NE, NC, MS, MO, MN, MD, MA, KY, IN, IL, HI, GA, FL, DC, CT, SC, CO, CA, AZ, VA, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288205
NMLS#: 1288205
About Austin Keel
Austin began his career with Morgan Stanley in 2013. Through a deep understanding of both his clients’ needs and the sophisticated product suite available to them, Austin is uniquely able to connect the dots to present sensible, tailored solutions for almost any situation. He manages the team’s private investment book, providing clients with access to Morgan Stanley’s premier alternative investments platform. He also focuses on connecting business owner/operators with the most appropriate banking affiliates in Morgan Stanley’s network, including middle market, boutique, venture capital, private equity and private credit groups.
Austin graduated from The University of Alabama with a Bachelor of Science in Finance and a specialization in Real Estate. In addition to his passion for creating positive, life-enhancing outcomes for his clients, Austin enjoys golf, live music, traveling, and fishing. An Atlanta native, he currently lives in Sandy Springs with his wife, Caroline, and their two dogs, Dino and Lilly.
Austin graduated from The University of Alabama with a Bachelor of Science in Finance and a specialization in Real Estate. In addition to his passion for creating positive, life-enhancing outcomes for his clients, Austin enjoys golf, live music, traveling, and fishing. An Atlanta native, he currently lives in Sandy Springs with his wife, Caroline, and their two dogs, Dino and Lilly.
Securities Agent: NM, MS, UT, WI, HI, ME, DC, WY, WA, VI, VA, TX, TN, SC, PA, OH, NY, NV, NJ, NE, NC, MO, MN, MI, MD, MA, LA, KY, IN, IL, ID, GA, FL, DE, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290571
NMLS#: 1290571
About Charles Milner
Charles Milner graduated from Auburn University in 2010 and has since specialized in working with business owners and individuals, offering comprehensive financial planning and designing effective employee benefit programs. He emphasizes the importance of building lasting relationships and creating a legacy through strong financial planning, which he believes goes beyond mere numbers.
Outside of his professional life, Charles is dedicated to his family, spending quality time with his wife Meghan and their two children, Lane and Charles Milner Jr. An avid outdoorsman, Charles enjoys activities such as golfing, hunting, and fishing, which reflect his passion for precision, patience, and a long-term vision.
Outside of his professional life, Charles is dedicated to his family, spending quality time with his wife Meghan and their two children, Lane and Charles Milner Jr. An avid outdoorsman, Charles enjoys activities such as golfing, hunting, and fishing, which reflect his passion for precision, patience, and a long-term vision.
Securities Agent: KY, AL, PA, AZ, NE, CO, VI, NJ, WA, TN, VA, NY, AR, IL, MD, HI, GA, NC, IN, FL, LA, DC, MO, CA, SC, TX, OH, MS, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2380608
NMLS#: 2380608
About Victoria Moore
Victoria Moore currently serves as a Senior Client Service Associate for The Legacy Group of Atlanta at Morgan Stanley. Victoria joined Morgan Stanley in 2000 working in the Operations Department. She has been working directly with The Legacy Group of Atlanta for the last five years.
For the team, she helps clients complete the operational details, critical to helping achieve their long-term goals and objectives. She works diligently to help meet the needs of clients with compassion, patience, persistence, and empathy.
In her free time, Victoria enjoys relaxing, watching sports, and traveling with her family. She is actively involved in her kids' schools and sports, as well as in the community.
For the team, she helps clients complete the operational details, critical to helping achieve their long-term goals and objectives. She works diligently to help meet the needs of clients with compassion, patience, persistence, and empathy.
In her free time, Victoria enjoys relaxing, watching sports, and traveling with her family. She is actively involved in her kids' schools and sports, as well as in the community.
About Elizabeth Terrell
Elizabeth began her career with Smith Barney in 1986 and was a Financial Advisor since 1993 until recently, as she moved from a financial advisor to the position of Wealth Management Associate.
In her new role, Elizabeth focuses on the implementation and execution of our investment strategies, our client service, and relationship building strategies.
An advocate for financial planning, Elizabeth strongly believes that successful long-term investing begins with a financial plan. Today, her areas of focus include equities, fixed income and asset management.
In her new role, Elizabeth focuses on the implementation and execution of our investment strategies, our client service, and relationship building strategies.
An advocate for financial planning, Elizabeth strongly believes that successful long-term investing begins with a financial plan. Today, her areas of focus include equities, fixed income and asset management.
About Andrea Crase
Andrea Crase serves as a Registered Client Service Associate for The Legacy Group of Atlanta at Morgan Stanley. Andrea has been with Morgan Stanley since 2023 and strives to maintain a high level of customer service while being responsible for cash management, account servicing, administration, and other operational items.
Andrea obtained her Bachelors degree in Political Science from the University of Wisconsin – Whitewater. She also holds her Series 7 and Series 66 securities licenses.
When not at work, Andrea enjoys running, playing tennis, and other outdoor activities such as hiking or paddleboarding.
Andrea obtained her Bachelors degree in Political Science from the University of Wisconsin – Whitewater. She also holds her Series 7 and Series 66 securities licenses.
When not at work, Andrea enjoys running, playing tennis, and other outdoor activities such as hiking or paddleboarding.
Contact James M Keel
Contact Shay Womack
Contact Austin Keel
Contact Charles Milner
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 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.
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
Christopher Brock
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Lisa Bingaman, CFP®
Financial Planning Director, Vice President
About Lisa Bingaman
Lisa is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the state of Georgia. She is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Lisa is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant® who began her career in Financial Services in 2007. She has been Series 7 and Series 66 registered, and Life/Health/Variable Annuities Licensed for 17 years. Before joining Morgan Stanley, Lisa was one of five Internal National Certified Financial Planners for Nationwide Financial, but the bulk of her experience was with Wells Fargo Advisors, where she collaborated with several teams and Financial Advisors in the Southeast region to consult on processes and procedures for implementing Financial Planning into the practice. Here, she mentored under a Branch Manager and CFP®, while working towards her own designations.
In addition to her degrees in Business Management and Psychology, Lisa holds a Bachelor of Science in Consumer Economics with a Concentration in Financial Planning from the University of Georgia. She lives in Middle Georgia with her husband and their 2 children, where they spend most of their free time on the baseball and soccer fields.
Lisa is a CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant® who began her career in Financial Services in 2007. She has been Series 7 and Series 66 registered, and Life/Health/Variable Annuities Licensed for 17 years. Before joining Morgan Stanley, Lisa was one of five Internal National Certified Financial Planners for Nationwide Financial, but the bulk of her experience was with Wells Fargo Advisors, where she collaborated with several teams and Financial Advisors in the Southeast region to consult on processes and procedures for implementing Financial Planning into the practice. Here, she mentored under a Branch Manager and CFP®, while working towards her own designations.
In addition to her degrees in Business Management and Psychology, Lisa holds a Bachelor of Science in Consumer Economics with a Concentration in Financial Planning from the University of Georgia. She lives in Middle Georgia with her husband and their 2 children, where they spend most of their free time on the baseball and soccer fields.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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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
Rational Investing in an Age of Uncertainty
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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
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.
Ready to start a conversation? Contact The Legacy Group of Atlanta today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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
5Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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
5Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
