Phone:
(904) 273-7572(904) 273-7572
The Lighthouse Wealth Management Group at Morgan Stanley
Our Mission Statement
Guiding families with care, so they may focus on the areas of their lives that bring them joy, meaning and purpose
The Lighthouse Story
At Lighthouse Wealth Management Group, we guide families with care. We are a tightly-knit team of experienced professionals with complementary strengths and a cohesive goals-based outlook. Innovative by nature, we seek out new capabilities to create greater opportunities for our clients, yet our fundamental outlook is decidedly “old school.” We value loyalty to each other and to the individuals and families we serve every day. We have deep roots in our community and a deeper commitment to sustaining its character for future generations.
Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. They have grown to depend on our proactive, high service model that is specially designed to ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, our clients appreciate our true passion for finding solutions to their specific life challenges.
As a multigenerational team serving multigenerational families, we are proud of the fact that many of our clients have been with us for more than 20 years. We are honored to work with their children and grandchildren, and often their parents. We work seamlessly to provide exceptional service, objective guidance and results-driven strategies. When you work with one of us, you get the best of all of us.
Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. They have grown to depend on our proactive, high service model that is specially designed to ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, our clients appreciate our true passion for finding solutions to their specific life challenges.
As a multigenerational team serving multigenerational families, we are proud of the fact that many of our clients have been with us for more than 20 years. We are honored to work with their children and grandchildren, and often their parents. We work seamlessly to provide exceptional service, objective guidance and results-driven strategies. When you work with one of us, you get the best of all of us.
Services Include
- Endowments and FoundationsFootnote1
- Wealth ManagementFootnote2
- Asset Management
- Business Succession PlanningFootnote3
- Divorce Financial AnalysisFootnote4
- Estate Planning StrategiesFootnote5
- Executive Financial ServicesFootnote6
- Financial PlanningFootnote7
- Lending Products
- Municipal BondsFootnote8
- Professional Portfolio ManagementFootnote9
- Qualified Retirement PlansFootnote10
- Retirement PlanningFootnote11
- Trust Services*
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. At Lighthouse Wealth Management Group, we use a goals-based process that measures success by how you're progressing toward meeting the goals most important to you. This thoughtful approach enables us to design and implement appropriate solutions to guide you in achieving and maintaining financial success.
Step 1: Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve. Next, we review your current future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Step 2: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 3: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 4: Monitoring Results Against Your Goals
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
In The Press
At The Lighthouse Wealth Management Group, we are devoted to earning your trust every day through ready access and open conversations, so we may be recognized as a guiding light, helping secure your family's financial success with clarity and confidence for generations to come.
Forbes Best-In-State Wealth Management Team
We are proud to share The Lighthouse Wealth Management Group has been ranked by Forbes as one of the Best-In-State Wealth Management Teams of 2025 in North Florida for the third year in a row.
Forbes Best-In-State Wealth Management Teams 2023, 2024, 2025
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Team Forbes AwardForbes Best-In-State Wealth Management Teams 2023, 2024, 2025
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 250 Private Wealth Management Teams
We are excited to share The Lighthouse Wealth Management Group has been ranked on Barron's Top 250 Private Wealth Management Teams.
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023 – Dec 2023.
Team Barron's AwardSource: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023 – Dec 2023.
Dennis Rosa
Forbes Best-In-State Wealth Advisors 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Dennis Rosa ForbesSource: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Neil Powell
Forbes Best-In-State Wealth Advisors 2024, 2025
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Neil Powell ForbesSource: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Andy Baggs
Forbes Best-In-State Wealth Advisors 2013, 2020, 2021, 2021, 2023, 2024, 2025
Source: Forbes.com (Awarded 2013, 2020, 2021, 2021, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Andy Baggs ForbesSource: Forbes.com (Awarded 2013, 2020, 2021, 2021, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Bill Dixon
Forbes Best-In-State Wealth Advisors 2024, 2025
Source: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Bill Dixon ForbesSource: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Brian Stokes
Forbes Best-In-State Wealth Advisors 2022, 2023, 2024, 2025
Source: Forbes.com (Awarded 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Brian Stokes ForbesSource: Forbes.com (Awarded 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Jared Policastro
Forbes Best-In-State Wealth Advisors 2024, 2025
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State 2017, 2018, 2019, 2020, 2021 (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Jared Policastro ForbesForbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State 2017, 2018, 2019, 2020, 2021 (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Susan Lemasters
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State 2025
Forbes Best-In-State Wealth Advisors 2025
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Susan Lemasters ForbesForbes Best-In-State Wealth Advisors 2025
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Danny Murphy Tallahassee Magazine
Danny Murphy and The Lighthouse Wealth Management Team were highlighted in the Tallahassee Magazine's January Edition.
View Tallahassee Magazine AdDigital Tools
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer to our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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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.
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Financial Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
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Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
LifeView Financial Plan
Regardless of what stage your life is in, we can help you achieve your financial goals. Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
LifeView Sample Plan
Family Office Resources
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demand of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Learn More About Family Office ResourcesResearch
We are proud to work at Morgan Stanley, a global leader in financial services with a long history of putting the needs of clients first. Like us, our firm focuses on making complex financial ideas more digestible, so you can fully understand the “why” behind each recommendation we make. The libraries of content below provide in-depth analysis on interesting topics that may have an impact on your wealth – not only now, but in the years ahead.
GIC On the Markets
The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
GIC On the Markets
GIC 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
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below to access a library of interesting content from the firm.
Morgan Stanley Ideas Podcast
Thoughts On the Market Podcast
Join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist, Mike Wilson, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial markets.
Thoughts On the Market Podcast
2025 GIMA Alternative Investments Themes
Alternatives are investments that go beyond traditional stocks and bonds. They can potentially help grow and protect your wealth and seek to offer enhanced returns, portfolio diversification, lower volatility, and potential tax efficiency. Please click the link to read Morgan Stanley’s Global Investment Manager Analysis (GIMA) team’s recently published piece on 2025 Alternative Investments Themes.
Read 2025 Alternative Investments ThemesLocation
50 A1A North
Suite 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 273-7563(904) 273-7563
Toll-Free:
(800) 366-1566(800) 366-1566
9900 Amelia Island Parkway
Suite 600
Fernandina Beach, FL 32034
US
Direct:
(904) 572-3564(904) 572-3564
3520 Thomasville Rd
Ste 100
Tallahassee, FL 32309
US
Direct:
(850) 422-8712(850) 422-8712
Meet The Lighthouse Wealth Management Group
Phone:
(904) 572-3564(904) 572-3564
Phone:
(904) 273-7587(904) 273-7587
Senior Vice President, Wealth Management, Financial Advisor, Insurance Planning Director
Phone:
(904) 273-7576(904) 273-7576
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist, Certified Divorce Financial Analyst
Phone:
(850) 422-8712(850) 422-8712
Phone:
(904) 273-7563(904) 273-7563
Phone:
(904) 273-7578(904) 273-7578
Phone:
(904) 543-6948(904) 543-6948
Renee' L. Couch
Portfolio Associate
Phone:
(904) 273-7582(904) 273-7582
Pam Davis
Portfolio Associate
Phone:
(904) 273-7571(904) 273-7571
Misti Blanton
Senior Client Service Associate
Phone:
(904) 273-7568(904) 273-7568
Alexis Spear
Client Service Associate
Phone:
(904) 273-7586(904) 273-7586
Nicholas Burns
Wealth Management Analyst
Phone:
(904) 273-7595(904) 273-7595
Alexandria Johnson
Investment Analyst
Phone:
(904) 543-6945(904) 543-6945
Rachel Higgins
Registered Client Service Associate
Phone:
(904) 543-7839(904) 543-7839
Terri Czuryla
Senior Client Service Associate
Phone:
(904) 273-7566(904) 273-7566
About Andy Baggs
An experienced wealth management professional, Andy has been a vital member of the Morgan Stanley family since 2000. Responsible for helping shape the strategic vision of Lighthouse Wealth Management Group, Andy combines his deep knowledge of the financial markets with operational excellence to guide the team’s clients in simplifying their financial lives, so they may enjoy the wealth they have created and leave the legacy they desire.
Andy’s disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom plan that reflects his clients’ goals for the future. If a particular situation requires specialized knowledge, he utilizes the global resources of Morgan Stanley to identify and deliver the expertise needed.
As a former member of the firm’s Regional Financial Advisory Council, Andy has worked closely with senior management to discuss the most important issues affecting the financial services industry. This appointment recognizes Andy as an advisor who demonstrates the highest professional and ethical standards, as well as quality and consistency in his business approach and client relationships.
Andy is actively involved in his community. He currently serves on the Leadership Council for Take Stock in Children, is a former board member of the Police Athletic League of Jacksonville, a former board member of the Discovery School, and is a former Tournament Chairman for THE PLAYERS Championship.
Andy is a graduate of the University of Florida with a Masters of Agribusiness and a B.S. degree in Food and Resource Economics. Andy and his wife, Leah, reside in Ponte Vedra Beach with their three children. Favorite activities include hunting, fishing, golf and spending quality time with his family.
Andy’s disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a custom plan that reflects his clients’ goals for the future. If a particular situation requires specialized knowledge, he utilizes the global resources of Morgan Stanley to identify and deliver the expertise needed.
As a former member of the firm’s Regional Financial Advisory Council, Andy has worked closely with senior management to discuss the most important issues affecting the financial services industry. This appointment recognizes Andy as an advisor who demonstrates the highest professional and ethical standards, as well as quality and consistency in his business approach and client relationships.
Andy is actively involved in his community. He currently serves on the Leadership Council for Take Stock in Children, is a former board member of the Police Athletic League of Jacksonville, a former board member of the Discovery School, and is a former Tournament Chairman for THE PLAYERS Championship.
Andy is a graduate of the University of Florida with a Masters of Agribusiness and a B.S. degree in Food and Resource Economics. Andy and his wife, Leah, reside in Ponte Vedra Beach with their three children. Favorite activities include hunting, fishing, golf and spending quality time with his family.
Securities Agent: ME, AL, PA, MA, LA, ID, HI, FL, WI, VA, NV, DE, SC, NM, NE, AR, KS, IL, CT, WA, KY, PR, OK, MS, MO, MD, DC, TN, NY, NH, MT, MN, TX, OR, OH, AZ, WY, VT, UT, NC, MI, IN, GA, CO, CA, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279027
NMLS#: 1279027
About Bill Dixon
Bill has been helping financially successful individuals and families develop a financial security plan to address their specific needs since joining the firm in 1998. He is committed to delivering exceptional service as he counsels his clients in the areas of financial planning, asset protection and liability management. He also has significant experience in business succession planning and corporate retirement plans.
A graduate of Valdosta State University with a B.F.A. degree in Communications, Bill combines his industry knowledge and communication skills to deepen the team’s existing relationships, as well as foster new introductions. His disciplined approach includes the development of a comprehensive financial plan that incorporates wealth accumulation strategies and risk management techniques to help his clients maintain financial independence through each one of life’s important milestones.
Bill’s passion for helping clients achieve their financial goals is equaled only by his dedication to his family and his community. Born and raised in Jacksonville, Florida, Bill resides in the Julington Creek area with his wife, Jenny, and their three children. He is an active member of his community, serving as a board member of The Boys and Girls Club of North Florida and Dreams Come True. He is also a member of the Jacksonville Sports Council, St. Johns Rotary Club and attends Christian Family Chapel. In his free time, he enjoys playing football, basketball and golf, as well as coaching youth sports and spending quality time with his family.
A graduate of Valdosta State University with a B.F.A. degree in Communications, Bill combines his industry knowledge and communication skills to deepen the team’s existing relationships, as well as foster new introductions. His disciplined approach includes the development of a comprehensive financial plan that incorporates wealth accumulation strategies and risk management techniques to help his clients maintain financial independence through each one of life’s important milestones.
Bill’s passion for helping clients achieve their financial goals is equaled only by his dedication to his family and his community. Born and raised in Jacksonville, Florida, Bill resides in the Julington Creek area with his wife, Jenny, and their three children. He is an active member of his community, serving as a board member of The Boys and Girls Club of North Florida and Dreams Come True. He is also a member of the Jacksonville Sports Council, St. Johns Rotary Club and attends Christian Family Chapel. In his free time, he enjoys playing football, basketball and golf, as well as coaching youth sports and spending quality time with his family.
Securities Agent: SC, WI, PR, MT, MA, KS, HI, FL, DC, AR, NV, ID, CA, VA, TN, OR, MD, TX, NH, NC, LA, DE, AL, UT, PA, NM, NJ, MO, MN, IL, CT, CO, WY, OH, NE, ME, VT, OK, NY, KY, IN, GA, AZ, MI, WA, MS, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278596
CA Insurance License #: 0G26143
NMLS#: 1278596
CA Insurance License #: 0G26143
About Philip Hawkins
Phil brings over 30 years of experience in the financial services industry and has been with Morgan Stanly since 2001. Phil serves as a First Vice President and a Financial Advisor on the team. Driven by his passion to help clients achieve their goals, Phil takes pride in helping his clients with unique and personalized solutions for each family.
Phil graduated from Florida State University in Tallahassee with a degree in economics. He was attracted to the wealth management industry because he enjoys the ever changing nature of the business and the new challenges which arise regularly.
Phil lives in Amelia Island with his wife Mary and they’re two children. Phil cares deeply about his local community and takes steps to ensure it continues to be a great place to live in. He enjoys staying active through playing golf and sailing
Phil graduated from Florida State University in Tallahassee with a degree in economics. He was attracted to the wealth management industry because he enjoys the ever changing nature of the business and the new challenges which arise regularly.
Phil lives in Amelia Island with his wife Mary and they’re two children. Phil cares deeply about his local community and takes steps to ensure it continues to be a great place to live in. He enjoys staying active through playing golf and sailing
Securities Agent: SC, TX, IN, ID, DC, OR, OK, NH, MO, ME, MD, FL, AZ, AL, PR, CT, NM, MT, HI, CA, NE, MS, GA, DE, WI, VA, NC, MN, KS, CO, NY, MA, PA, OH, NV, NJ, KY, UT, TN, MI, LA, IL, AR, WY, WA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1293919
NMLS#: 1293919
About Wendy Kennedy
A CERTIFIED FINANCIAL PLANNERTM and member of the Morgan Stanley family since 2007, Wendy provides a wide range of financial planning services to the clients of The Lighthouse Wealth Management Group, ranging from retirement forecasting to estate planning. She enjoys working with families and business owners alike, guiding them as they plan for the various phases of their financial lives. In addition to her financial planning role on the team, she assists in portfolio management construction, analysis and monitoring.
Throughout her career, Wendy has been committed to continuing education. This enables her to remain on the forefront of the latest and most effective wealth management strategies and to continually strive to create a better client experience. After graduating from Davidson College with a B.A. degree in Economics, Wendy obtained her Masters in Finance with distinction from Boston College. She earned her CFP® designation from The Certified Financial Planner Board of Standards in 2010. She has Series 7, 66 and 33 securities licenses. She is also a Life, Health and Variable Annuity licensee.
Wendy is actively involved in her local community and various missions worldwide. In her spare time, she enjoys most outdoor activities, especially golf and walking on the beach.
Throughout her career, Wendy has been committed to continuing education. This enables her to remain on the forefront of the latest and most effective wealth management strategies and to continually strive to create a better client experience. After graduating from Davidson College with a B.A. degree in Economics, Wendy obtained her Masters in Finance with distinction from Boston College. She earned her CFP® designation from The Certified Financial Planner Board of Standards in 2010. She has Series 7, 66 and 33 securities licenses. She is also a Life, Health and Variable Annuity licensee.
Wendy is actively involved in her local community and various missions worldwide. In her spare time, she enjoys most outdoor activities, especially golf and walking on the beach.
Securities Agent: MN, MO, MI, KY, HI, WA, IN, VT, TN, SC, PR, NC, AL, MT, ID, GA, DE, CT, AR, WY, TX, NH, ME, IL, FL, OK, OH, NV, MD, MA, CA, NY, NE, LA, CO, WI, MS, DC, AZ, VA, OR, NM, KS, UT, NJ, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2268268
NMLS#: 2268268
About Susan Lemasters
Susan is a Financial Advisor, Insurance Planning Director, and Certified Divorce Financial Analyst at The Lighthouse Wealth Management Group. An experienced professional, Susan has been providing customized strategies to individuals, families and business owners for almost 40 years. She focuses on helping clients manage life-changing events, such as divorce, the death of a spouse, an inheritance or the sale of a business. Susan is committed to outstanding service and advice, delivered with compassion and integrity.
Throughout her career, Susan has developed skills in investment management and financial planning. For the past 20 years, she has focused her practice on providing comprehensive financial guidance during and following a divorce. She works closely with each client’s attorney and other trusted advisors to increase the opportunity for arriving at a settlement that can fully address her client’s short and long-term financial needs.
Susan takes pride in helping her clients effectively manage their financial obligations, so they may take care of the people they love, spend more time pursuing the activities they enjoy and support the causes that are most important to them.
Susan graduated from the University of North Carolina at Charlotte with a B.A. degree in Business/ Industrial Psychology and is currently a member of the Institute of Divorce Financial Analysts. She lives in Ponte Vedra and has one daughter who works with JNJ in Nashville, Tennessee.
Throughout her career, Susan has developed skills in investment management and financial planning. For the past 20 years, she has focused her practice on providing comprehensive financial guidance during and following a divorce. She works closely with each client’s attorney and other trusted advisors to increase the opportunity for arriving at a settlement that can fully address her client’s short and long-term financial needs.
Susan takes pride in helping her clients effectively manage their financial obligations, so they may take care of the people they love, spend more time pursuing the activities they enjoy and support the causes that are most important to them.
Susan graduated from the University of North Carolina at Charlotte with a B.A. degree in Business/ Industrial Psychology and is currently a member of the Institute of Divorce Financial Analysts. She lives in Ponte Vedra and has one daughter who works with JNJ in Nashville, Tennessee.
Securities Agent: TX, CO, OH, NE, DE, UT, KY, IN, AZ, SC, MS, OK, NY, NM, MO, FL, WI, VT, TN, PR, NJ, MT, MI, MA, OR, NH, LA, KS, GA, AR, AL, WY, VA, MD, ID, PA, CA, NV, NC, ME, IL, CT, WA, MN, HI, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278950
CA Insurance License #: 0L53383
NMLS#: 1278950
CA Insurance License #: 0L53383
About Taylor McCullers
Taylor McCullers is a Financial Planning Specialist and Financial Advisor with the Lighthouse Wealth Management Group. Taylor’s primary focus is helping clients through a transition in life: new marriage, birth of a new family member, divorce, career change or retirement, death of a family member and receipt of an inheritance. She has dedicated her research to understanding the intricacies of these big, life changing, financial transactions. As a CERTIFIED FINANCIAL PLANNER and Certified Divorce Financial Analyst, Taylor has extensive training in financial planning, estate planning, insurance, investments, taxes, employee benefits, and retirement planning strategies. Taylor’s clients benefit from her fresh perspectives and especially value the fact that she will be with them at every stage of their financial journey and life and represent them with passion, enthusiasm, and endless energy.
Taylor is a Jacksonville Native and lives on the westside of Jacksonville with her husband, who is also named Taylor, and their two kids; Ansley and Shane. She is a graduate of the University of North Florida with a Bachelor’s degree in Finance and Financial Services, with a Concentration in Financial Planning and a minor in Economics. Taylor was also chosen by her professors at UNF as the Financial Services student of the year, her senior year. From there she joined Merrill Lynch as a licensed trade specialist. Deciding that she wanted to be able to develop deeper relationships with her clients she moved to private wealth management and became a Financial Advisor in 2019. Her favorite part about her role is getting to make a difference in the lives of her clients and their families for generations to come.
Taylor is a Jacksonville Native and lives on the westside of Jacksonville with her husband, who is also named Taylor, and their two kids; Ansley and Shane. She is a graduate of the University of North Florida with a Bachelor’s degree in Finance and Financial Services, with a Concentration in Financial Planning and a minor in Economics. Taylor was also chosen by her professors at UNF as the Financial Services student of the year, her senior year. From there she joined Merrill Lynch as a licensed trade specialist. Deciding that she wanted to be able to develop deeper relationships with her clients she moved to private wealth management and became a Financial Advisor in 2019. Her favorite part about her role is getting to make a difference in the lives of her clients and their families for generations to come.
Securities Agent: GA, AR, SC, NH, MA, CA, MI, VT, ME, LA, HI, CT, PA, NC, MN, WA, UT, PR, NE, KY, VA, OR, NM, MS, WY, OK, OH, NV, MT, CO, NY, MO, IN, IL, DC, AZ, AL, TN, ID, FL, DE, WI, TX, NJ, MD, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1885189
NMLS#: 1885189
About Danny M Murphy
Over the last 35+ years, Morgan Stanley First Vice President and Financial Advisor Danny Murphy has taken great pride in helping his clients preserve and grow their wealth. He assists his clients in defining and meeting their financial goals by delivering a vast array of resources in the most appropriate way for each individual investor. Working with Danny means you have an advisor who truly cares about your financial success and who brings to the table access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Danny joined Morgan Stanley in 1986. He earned his Bachelor of Science degree in Finance along with a Certificate in Financial Planning from Florida State University. Danny’s office is in Morgan Stanley’s Tallahassee location
Danny joined Morgan Stanley in 1986. He earned his Bachelor of Science degree in Finance along with a Certificate in Financial Planning from Florida State University. Danny’s office is in Morgan Stanley’s Tallahassee location
Securities Agent: SC, AK, CA, AZ, GA, IL, FL, OH, NY, NC, KY, MO, VA, TX, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1677636
NMLS#: 1677636
About Jared Policastro
Jared joined The Lighthouse Wealth Management Group in 2003. With experience in portfolio management, financial planning and branch administration, Jared is Senior Vice President and Senior Portfolio Management Director for The Lighthouse Wealth Management Group. He serves as the team’s lead portfolio manager, combining an in-depth knowledge of fixed income and equities with a highly personalized approach to assist clients in developing customized and comprehensive strategies that address their specific needs.
Over the years, Jared has earned the reputation of truly understanding his clients. He listens carefully to their unique goals and circumstances, working diligently to help them achieve their specific financial objectives and leave the legacy they desire.
With extensive experience in fixed income investing, Jared believes in applying a disciplined approach to portfolio management that strives to maximize predictability. What’s more, he takes pride in his ability to take complex financial concepts and effectively communicate them to his clients through knowledge and enthusiasm for the capital markets.
Jared graduated from Florida State University with a B.S. in Finance, B.S. in Marketing and M.B.A. He now serves as an advisor to the College of Business’ graduate programs. He and his wife, Jenifer, and their four children, live in Ponte Vedra Beach. In his free time, Jared enjoys basketball, FSU, Jacksonville Jaguars, New York Giant's football and spending time with his family on the beach.
Over the years, Jared has earned the reputation of truly understanding his clients. He listens carefully to their unique goals and circumstances, working diligently to help them achieve their specific financial objectives and leave the legacy they desire.
With extensive experience in fixed income investing, Jared believes in applying a disciplined approach to portfolio management that strives to maximize predictability. What’s more, he takes pride in his ability to take complex financial concepts and effectively communicate them to his clients through knowledge and enthusiasm for the capital markets.
Jared graduated from Florida State University with a B.S. in Finance, B.S. in Marketing and M.B.A. He now serves as an advisor to the College of Business’ graduate programs. He and his wife, Jenifer, and their four children, live in Ponte Vedra Beach. In his free time, Jared enjoys basketball, FSU, Jacksonville Jaguars, New York Giant's football and spending time with his family on the beach.
Securities Agent: CO, DC, NM, AK, PA, KS, UT, KY, DE, AZ, NV, NC, MT, MI, LA, AL, NE, CA, WI, WA, VA, PR, NY, NH, IN, CT, TX, MD, MA, IL, AR, OK, MS, HI, TN, SC, OR, MO, ME, ID, GA, FL, WY, VT, OH, NJ, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278941
CA Insurance License #: 0L53485
NMLS#: 1278941
CA Insurance License #: 0L53485
About Neil Powell
Neil brings more than 25 years of asset management experience to The Lighthouse Wealth Management Group. In his role as a Senior Portfolio Management Director and Wealth Advisor, he works closely with financially successful individuals, families and business leaders to develop custom investment portfolios that reflect their specific financial goals, objectives and aspirations.
A member of the team’s portfolio management committee, Neil is highly skilled in asset allocation modeling. He conducts significant research to uncover opportunities that complement each other through heightened cycles of market volatility. He also has a passion for weaving personalized investment solutions into each client’s unique financial plan, and enjoys educating clients to help them go beyond the noise of the marketplace to stay focused on their individual plans.
Neil graduated with honors from the University of Florida with a B.S.B.A. degree in Finance. He is a graduate of Leadership Jacksonville and serves his community through his involvement with Palmer Catholic Academy’s School Advisory Board, the Ponte Vedra Beach Rotary and the Volunteer Life Saving Corps. A native of Jacksonville, Neil currently lives in Ponte Vedra Beach and treasures time with his wife, Kristina, and their four children.
A member of the team’s portfolio management committee, Neil is highly skilled in asset allocation modeling. He conducts significant research to uncover opportunities that complement each other through heightened cycles of market volatility. He also has a passion for weaving personalized investment solutions into each client’s unique financial plan, and enjoys educating clients to help them go beyond the noise of the marketplace to stay focused on their individual plans.
Neil graduated with honors from the University of Florida with a B.S.B.A. degree in Finance. He is a graduate of Leadership Jacksonville and serves his community through his involvement with Palmer Catholic Academy’s School Advisory Board, the Ponte Vedra Beach Rotary and the Volunteer Life Saving Corps. A native of Jacksonville, Neil currently lives in Ponte Vedra Beach and treasures time with his wife, Kristina, and their four children.
Securities Agent: AZ, VA, UT, NV, OH, FL, CO, OR, NJ, MA, AK, WA, MS, ME, TX, MD, IL, GA, AR, SC, PA, LA, WI, TN, NH, MI, KY, PR, OK, NE, MN, KS, CT, AL, NM, NC, MO, HI, DE, DC, WY, VT, NY, MT, IN, ID, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282427
CA Insurance License #: 0G26142
NMLS#: 1282427
CA Insurance License #: 0G26142
About Dennis Rosa
A seasoned professional with over 25 years of industry experience, Dennis is firmly committed to the continued growth and success of The Lighthouse Wealth Management Group and the families they represent. Success is measured by the depth and tenure of those client relationships. In addition to his duties as a Financial Advisor, Dennis is responsible for the team’s new business development and growth strategies to thoughtfully represent The Lighthouse Wealth Management Group in the communities they serve.
As a Financial Advisor, Dennis enjoys guiding families to clarify their futures through financial planning. He helps them connect the pieces of their financial and personal lives into one cohesive strategy. Families appreciate his consultative, thorough overview when approaching their wealth and the security they feel seeing what they can accomplish with what they have achieved. Demystifying their investment world, Dennis provides comfort, so families can enjoy the wealth they have created and focus on the things that are important to them personally.
Throughout his career, Dennis has been committed to professional development. Dennis graduated Magna Cum Laude from Rollins College with an Honors B.A. degree and has completed the Young Executives Institute at the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill. Forbes Magazine has named Dennis to it's list of America's Best-In-State Wealth Advisors for 2018-2024.
Dennis currently lives in Jacksonville Beach with his wife, Becky, and their dog, Dewey. They have three young adult children, Sam, Jack and Cate. Active in his local community, Dennis serves as Vice President of the Monique Burr Foundation for Children and is a past President of the Rotary Club of Jacksonville Oceanside. He has previously served as Chairman of the El Pescado Billfish Tournament. In his leisure time, Dennis enjoys hunting, fishing, and spending time with family and friends.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
As a Financial Advisor, Dennis enjoys guiding families to clarify their futures through financial planning. He helps them connect the pieces of their financial and personal lives into one cohesive strategy. Families appreciate his consultative, thorough overview when approaching their wealth and the security they feel seeing what they can accomplish with what they have achieved. Demystifying their investment world, Dennis provides comfort, so families can enjoy the wealth they have created and focus on the things that are important to them personally.
Throughout his career, Dennis has been committed to professional development. Dennis graduated Magna Cum Laude from Rollins College with an Honors B.A. degree and has completed the Young Executives Institute at the Kenan-Flagler Business School at the University of North Carolina at Chapel Hill. Forbes Magazine has named Dennis to it's list of America's Best-In-State Wealth Advisors for 2018-2024.
Dennis currently lives in Jacksonville Beach with his wife, Becky, and their dog, Dewey. They have three young adult children, Sam, Jack and Cate. Active in his local community, Dennis serves as Vice President of the Monique Burr Foundation for Children and is a past President of the Rotary Club of Jacksonville Oceanside. He has previously served as Chairman of the El Pescado Billfish Tournament. In his leisure time, Dennis enjoys hunting, fishing, and spending time with family and friends.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: TX, CO, VA, NE, MN, IL, MO, MI, LA, KS, AL, TN, NH, MT, GA, PA, NY, NM, MA, AZ, UT, NV, NC, KY, ID, AR, WA, PR, OK, OH, NJ, HI, MS, ME, DE, DC, SC, OR, MD, FL, CA, WY, VT, IN, WI, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1273018
CA Insurance License #: 0E36788
NMLS#: 1273018
CA Insurance License #: 0E36788
About Sam Rosa
Sam is a CFP® Professional and Financial Advisor with the Lighthouse Wealth Management Group at Morgan Stanley. Sam brings a fresh perspective to the team as a specialist in Goals Based Financial Planning, where he helps clients develop comprehensive strategies to help them reach their financial goals. He also brings value to his clients as a consultant for employer-sponsored 401(k) retirement plans, helping business owning clients set up and maintain quality plans for both themselves and their employees.
Whether growing a business, navigating a liquidity event, or planning for retirement, Sam enjoys the process of helping guide his clients towards their bigger pictures through the process of careful planning.
Sam was born and raised in Jacksonville’s Beaches, and moved back home after graduating from South Carolina’s College of Charleston with a B.A. Degree in Business Administration and Finance. He and his wife Michelle are both Financial Industry professionals, and live in Avondale. In his free time, Sam enjoys Jaguars football, and spending time outdoors and on the water.
Whether growing a business, navigating a liquidity event, or planning for retirement, Sam enjoys the process of helping guide his clients towards their bigger pictures through the process of careful planning.
Sam was born and raised in Jacksonville’s Beaches, and moved back home after graduating from South Carolina’s College of Charleston with a B.A. Degree in Business Administration and Finance. He and his wife Michelle are both Financial Industry professionals, and live in Avondale. In his free time, Sam enjoys Jaguars football, and spending time outdoors and on the water.
Securities Agent: NM, AR, VT, SD, NH, MN, MI, LA, DE, CO, CA, AL, OK, OH, MS, IL, TN, SC, MT, MA, WA, ID, HI, UT, NC, IA, GA, CT, PR, OR, NJ, NE, IN, FL, WI, VI, NY, NV, KY, KS, AZ, WY, PA, MD, DC, VA, TX, MO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2491462
NMLS#: 2491462
About Isabelle Striplin
Since beginning her financial services career in 1990, Isabella has made it a priority to dedicate her work to understanding the financial issues of high-net-worth individuals and their families. What makes Isabelle distinctive is her holistic process that begins and ends with her clients. It includes financial planning, estate planning, wealth transfer, accumulation, retirement planning, and investment management.
Isabelle is a graduate of the University of Quebec in Montreal and has a bachelor’s degree in accounting. She also holds the Certified Divorce Financial Analyst certification, which enhances her ability to assist those who are facing the emotional and financial challenges of divorce.
Isabelle was born in Montreal, Quebec. In her early 30’s she left Quebec for New Zealand where she lived until her move to Florida. In 2002, she landed in Sarasota where she met her husband, David. She is blessed with a big family and is very close to her parents, siblings, nieces and nephews whom she adores. In her free time, Isabelle loves cooking, baking, and creating new healthy meals which keeps David very happy.
Isabelle is a graduate of the University of Quebec in Montreal and has a bachelor’s degree in accounting. She also holds the Certified Divorce Financial Analyst certification, which enhances her ability to assist those who are facing the emotional and financial challenges of divorce.
Isabelle was born in Montreal, Quebec. In her early 30’s she left Quebec for New Zealand where she lived until her move to Florida. In 2002, she landed in Sarasota where she met her husband, David. She is blessed with a big family and is very close to her parents, siblings, nieces and nephews whom she adores. In her free time, Isabelle loves cooking, baking, and creating new healthy meals which keeps David very happy.
Securities Agent: CO, AR, OH, GA, SC, NJ, MO, MN, LA, AL, AK, TX, PA, NY, NM, MI, IL, DE, CT, UT, PR, OR, NC, KS, ID, AZ, WI, NE, MA, KY, WY, WA, VT, VA, NV, MT, MS, DC, TN, OK, IN, HI, CA, MD, FL, NH, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1270187
NMLS#: 1270187
About Brian Stokes
Brian is a Senior Portfolio Management Director and Financial Advisor at The Lighthouse Wealth Management Group. With over 30 years of investment and banking experience at some of the world’s largest asset management firms, Brian brings a unique and highly engaging perspective – combined with his ability to build deep, longstanding relationships with each client – that truly sets his team’s practice apart.
Brian began his financial services career in credit and liability management at Merrill Lynch and later Morgan Stanley. In 2001, he was given an opportunity to become part of Morgan Stanley’s asset management division, working closely with the firm’s portfolio management team. This led to a similar role at Alliance Bernstein in 2006. Brian returned to Morgan Stanley in 2009 for the opportunity to share his industry knowledge and skills with individuals and families and build more personal relationships with clients.
Throughout his career, Brian has developed a strong understanding of economics and is well versed in the equity and fixed income markets. He has cultivated skills in asset allocation, investment management, banking and lending strategies, as well as retirement and estate planning. By advising the team’s clients on how to effectively grow, protect and transition their wealth, he has earned the reputation of being a valued and trusted advisor.
Brian graduated from the University of Florida with a B.A. degree in Business Administration. He is also a member of the Meninak Club of Jacksonville. Forbes Magazine has named Brian to it's list of America's Best-In-State Wealth Advisors for 2022-2024. A native of Jacksonville, Brian lives in Ponte Vedra Beach with his wife, Teresa, and their three children.
Brian began his financial services career in credit and liability management at Merrill Lynch and later Morgan Stanley. In 2001, he was given an opportunity to become part of Morgan Stanley’s asset management division, working closely with the firm’s portfolio management team. This led to a similar role at Alliance Bernstein in 2006. Brian returned to Morgan Stanley in 2009 for the opportunity to share his industry knowledge and skills with individuals and families and build more personal relationships with clients.
Throughout his career, Brian has developed a strong understanding of economics and is well versed in the equity and fixed income markets. He has cultivated skills in asset allocation, investment management, banking and lending strategies, as well as retirement and estate planning. By advising the team’s clients on how to effectively grow, protect and transition their wealth, he has earned the reputation of being a valued and trusted advisor.
Brian graduated from the University of Florida with a B.A. degree in Business Administration. He is also a member of the Meninak Club of Jacksonville. Forbes Magazine has named Brian to it's list of America's Best-In-State Wealth Advisors for 2022-2024. A native of Jacksonville, Brian lives in Ponte Vedra Beach with his wife, Teresa, and their three children.
Securities Agent: AR, WY, IN, HI, GA, DC, PR, OH, NM, CA, VT, NJ, MO, MA, KS, VA, NE, MI, LA, IL, PA, CO, AZ, MN, KY, FL, AK, WI, TX, MD, OK, NY, NV, MT, MS, CT, AL, WA, UT, OR, ME, TN, SC, NH, NC, ID, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279394
NMLS#: 1279394
About Renee' L. Couch
Renee' has been serving financially successful individuals and families since 1996. She is committed to providing each client with caring and personalized attention. Her many responsibilities include new account processing, estate processing, portfolio maintenance and ensuring the team's registrations and licensing remains current. Renee' is focused on anticipating the changes and challenges of managing wealth so she is prepared to assist clients effectively as new circumstances arise.
Renee' graduated Magna Cum Laude from Jacksonville University with a B.S. degree in International Business, and is Series 7 and 66 licensed. She lives in Mandarin with her husband, Steve, and their daughter, Katlyn. She especially enjoys Disney, playing on the beach, watching Gators and Jaguars Football, traveling, camping and anything that gives her the opportunity to spend time with family.
Renee' graduated Magna Cum Laude from Jacksonville University with a B.S. degree in International Business, and is Series 7 and 66 licensed. She lives in Mandarin with her husband, Steve, and their daughter, Katlyn. She especially enjoys Disney, playing on the beach, watching Gators and Jaguars Football, traveling, camping and anything that gives her the opportunity to spend time with family.
About Pam Davis
Drawing on more than 30 years of industry experience, Pam is often the first line of contact on a broad array of client specific services. Highly adept at answering client questions quickly and efficiently, Pam is passionate about providing excellent service. She not only knows how to meet each client's specific needs, she knows how to anticipate them as well. Her patience and industry knowledge help provide clients with confidence and comfort.
Pam joined the group in 2015 and has been an integral member of the team ever since. She currently holds the Series 7, 63 and 65 FINRA registrations, enabling her to process unsolicited trades in addition to handling a variety of requests for clients, including new account processing, estate processing and portfolio maintenance.
Pam joined the group in 2015 and has been an integral member of the team ever since. She currently holds the Series 7, 63 and 65 FINRA registrations, enabling her to process unsolicited trades in addition to handling a variety of requests for clients, including new account processing, estate processing and portfolio maintenance.
About Misti Blanton
Born in Albany, GA, Misti has over 15 years of experience in the financial services industry. In her role as a Senior Client Service Associate, Misti is focused on serving the families we work with, building deep client relationships in order to effectively assist with their needs. Her extensive client service and operational knowledge are a crucial contribution to the Lighthouse Wealth Management Group and the families we serve each day.
Misti lives in St. John's with her husband, Mark, and their two children, Corbin and Ava. On a day off you may find Misti with her family boating, cruising along the St John's River or out enjoying nature by a campfire roasting marshmallows. She and Mark also enjoy the hobby of building furniture for family and friends.
Misti lives in St. John's with her husband, Mark, and their two children, Corbin and Ava. On a day off you may find Misti with her family boating, cruising along the St John's River or out enjoying nature by a campfire roasting marshmallows. She and Mark also enjoy the hobby of building furniture for family and friends.
About Alexis Spear
After graduating from the University of North Florida, Alexis joined Morgan Stanley in 2018 as a Service Associate for the Ponte Vedra Branch office. There, she served clients of the entire branch with banking and general service needs. In 2021, Alexis joined the Lighthouse Wealth Management Group as a Client Service Associate, dedicated to building relationships with her clients and ensuring they receive excellent service with every interaction. Her responsibilities include account openings and distributions, account maintenance, and general client support.
Alexis lives in Jacksonville and on her days off, you will find her hiking with her family and her dog, Luna, or spending time on the beach.
Alexis lives in Jacksonville and on her days off, you will find her hiking with her family and her dog, Luna, or spending time on the beach.
About Nicholas Burns
Nick joined The Lighthouse Wealth Management Group in May of 2023. As Wealth Management Analyst for the team, Nick’s primary focus is to identify economic trends and provide market research to aid in portfolio management. Originally from South Carolina, Nick and his wife moved to Florida from North Carolina in the summer of 2022.
Nick graduated from the University of South Carolina with a B.A. in Economics and Political Science. Following his graduation, he moved to Charlotte, North Carolina to pursue an opportunity with The Vanguard Group. Eager to expand his knowledge and expertise in the Financial Services Industry, Nick joined MassMutual Carolinas, spending two years as the firm’s Financial Planning Specialist. Nick is best known for his attention to detail and meticulous approach to problem solving – he leveraged these skills to construct hundreds of comprehensive financial plans.
Motivated by his desire to help others, Nick has a passion for Financial Services and loves encouraging others to achieve their financial goals. Nick currently holds the Series 7, 63, and 65 FINRA registrations. Additionally, he holds insurance licenses for Life, Health & Variable Annuities.
Nick and his wife, Caitlin, live in St. Johns with their golden retriever and two cats. Outside of the office, you will find him enjoying his free time with his wife and family, playing golf, or watching the University of South Carolina Gamecocks play any sport.
Nick graduated from the University of South Carolina with a B.A. in Economics and Political Science. Following his graduation, he moved to Charlotte, North Carolina to pursue an opportunity with The Vanguard Group. Eager to expand his knowledge and expertise in the Financial Services Industry, Nick joined MassMutual Carolinas, spending two years as the firm’s Financial Planning Specialist. Nick is best known for his attention to detail and meticulous approach to problem solving – he leveraged these skills to construct hundreds of comprehensive financial plans.
Motivated by his desire to help others, Nick has a passion for Financial Services and loves encouraging others to achieve their financial goals. Nick currently holds the Series 7, 63, and 65 FINRA registrations. Additionally, he holds insurance licenses for Life, Health & Variable Annuities.
Nick and his wife, Caitlin, live in St. Johns with their golden retriever and two cats. Outside of the office, you will find him enjoying his free time with his wife and family, playing golf, or watching the University of South Carolina Gamecocks play any sport.
About Alexandria Johnson
Alexandria Johnson joined The Lighthouse Wealth Management Group as an Investment Analyst in August 2024. In her role, Alexandria contributes to the team by performing in-depth financial research and tracking economic trends to optimize portfolio management decisions. Originally from South Florida, Alexandria completed both her Bachelor of Science in Risk Management & Insurance in May 2023 and her MBA in August 2024 at Florida State University. Now residing in Jacksonville, Florida, she is excited to embark on this new journey, driven by her passion for finance and a deep commitment to helping families achieve their financial goals. Alexandria’s dedication to the field stems not only from growing up with a special needs brother, which fostered her desire to support others in meaningful ways, but also from being immersed in the financial industry from a young age. Alexandria currently holds the Series 7 FINRA registration.
About Rachel Higgins
Rachel Higgins joined Morgan Stanley as a Client Service Associate for the Jacksonville Branch in June 2024. During her time there, she obtained her Series 7 and 66 licenses, as well as her Life, Health, and Variable Insurance license. Since then, she has joined the Lighthouse Wealth Management Group in Ponte Vedra Beach. She has obtained her MSc in Finance from the University of Miami and BA Sociology from UNCP in 2022. Rachel lives in Orange Park with her husband, Steve. On her days off, you can find her fishing, browsing antique malls, enjoying the beach, or visiting Universal Studios.
About Terri Czuryla
As a Senior Client Service Associate, Terri has over 24 years experience in the Financial Industry with 15 years of that being with Morgan Stanley. Terri focuses on providing positive client experiences and building relationships. She has worked in various roles within the organization and has extensive knowledge from operations to service to be able to provide quality service to each client.
Originally from Upstate NY, she has been in Florida for 26 years and has been in Jacksonville for 4 years. She is married with 2 children, Jillian and Ryan. Terri enjoys traveling, the beach and exploring new places.
Originally from Upstate NY, she has been in Florida for 26 years and has been in Jacksonville for 4 years. She is married with 2 children, Jillian and Ryan. Terri enjoys traveling, the beach and exploring new places.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 (“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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Morgan 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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan 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.
10When 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
