Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(804) 780-3328(804) 780-3328
The Niou Way Group at Morgan Stanley
Direct:
(804) 780-3343(804) 780-3343
Toll-Free:
(800) 833-5522(800) 833-5522
Our Mission Statement
We are committed to creating a better future for our clients; a goal we hope to accomplish by asking the right questions, performing extensive analysis on our investments and providing superior service to our clients.
The Niou Way...
With over 35 years of experience, Stamford Niou, Financial Advisor, Managing Director, Wealth Management, Senior Portfolio Management Director; The Niou Way Group at Morgan Stanley strive to preserve and grow client’s’ assets with an emphasis on risk control. The Niou Way approach to investing involves taking our time to build each portfolio by performing extensive analysis, research and utilizing a vast knowledge of the different financial markets. We want to thoroughly understand your financial needs and then align the resources necessary to help you meet or exceed them. Our clients are our number one priority. We provide comprehensive financial planning while working side-by-side with our clients’ legal, estate, and tax advisors. We are committed to building long-term relationships based on trust, integrity and superior client service. Together, we will strive to meet your needs and your family’s financial goals by doing things the right way, The Niou Way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Stamford Niou, CPM®
•1990 - Present: Morgan Stanley*
Managing Director
Senior Portfolio Management Director
Certified Portfolio Manager
Richmond, VA
•1997 Darden Executive Graduate Program, Mergers/Acquisitions
•1984 University of Richmond,B.S. Chemistry/Finance
•Series 7, 63, 3, 65 & 66 Licensed
Stephanie J. Caudill
•Dedicated Morgan Stanley* Employee since 1996
•Licenses & Registrations: Series 7, 63, 65 & 31
•VA, MD, NC, & NJ Insurance Licensed
E. Jarratt Ramsey, III
•1996 Hampden-Sydney College
B.A. Economics
•Series 7, 63, 3 & 65
•1990 - Present: Morgan Stanley*
Managing Director
Senior Portfolio Management Director
Certified Portfolio Manager
Richmond, VA
•1997 Darden Executive Graduate Program, Mergers/Acquisitions
•1984 University of Richmond,B.S. Chemistry/Finance
•Series 7, 63, 3, 65 & 66 Licensed
Stephanie J. Caudill
•Dedicated Morgan Stanley* Employee since 1996
•Licenses & Registrations: Series 7, 63, 65 & 31
•VA, MD, NC, & NJ Insurance Licensed
E. Jarratt Ramsey, III
•1996 Hampden-Sydney College
B.A. Economics
•Series 7, 63, 3 & 65
Experience
Stamford Niou, CPM®
•1990 - Present: Morgan Stanley*
Managing Director
Senior Portfolio Management Director
Certified Portfolio Manager
Richmond, VA
•1997 Darden Executive Graduate Program, Mergers/Acquisitions
•1984 University of Richmond,B.S. Chemistry/Finance
•Series 7, 63, 3, 65 & 66 Licensed
Stephanie J. Caudill
•Dedicated Morgan Stanley* Employee since 1996
•Licenses & Registrations: Series 7, 63, 65 & 31
•VA, MD, NC, & NJ Insurance Licensed
E. Jarratt Ramsey, III
•1996 Hampden-Sydney College
B.A. Economics
•Series 7, 63, 3 & 65
•1990 - Present: Morgan Stanley*
Managing Director
Senior Portfolio Management Director
Certified Portfolio Manager
Richmond, VA
•1997 Darden Executive Graduate Program, Mergers/Acquisitions
•1984 University of Richmond,B.S. Chemistry/Finance
•Series 7, 63, 3, 65 & 66 Licensed
Stephanie J. Caudill
•Dedicated Morgan Stanley* Employee since 1996
•Licenses & Registrations: Series 7, 63, 65 & 31
•VA, MD, NC, & NJ Insurance Licensed
E. Jarratt Ramsey, III
•1996 Hampden-Sydney College
B.A. Economics
•Series 7, 63, 3 & 65
Location
901 East Byrd St
Suite 2000
Richmond, VA 23219
US
Direct:
(804) 780-3343(804) 780-3343
Toll-Free:
(800) 833-5522(800) 833-5522
Meet The Niou Way Group
Stephanie J. Caudill
Portfolio Associate
Phone:
(804) 780-3343(804) 780-3343
E. Jarratt Ramsey, III
Business Development Associate
Phone:
(804) 780-3373(804) 780-3373
About Stamford Niou
Stamford is an active Portfolio Manager with over 35 years of experience. Stamford began his career as a Financial Advisor in 1986 with PaineWebber and later joined Morgan Stanley in 1990.
Leaving Singapore Stamford moved to the United States in 1976. He received his Bachelor of Science in Chemistry/Finance from the University of Richmond in 1984 and was inducted into the American Chemistry Honor Society. In 1997 he completed the Darden Executive Graduate Program of mergers and acquisitions.
Stamford prides himself on taking care of his clients. For discretionary accounts he takes a tactical approach, reviewing each account on a daily basis seeking to manage the risks taken while striving to provide performance and preserving his client’s wealth. He researches each company invested in thoroughly looking to the future of the company and that of his clients.
His experiences being born and obtaining his childhood education outside of the United States gives him a unique value added view to international investing that allows him to have a broader understanding of the emerging markets. His goal is to make sure that every one of his clients gains financial independence.
Stamford lives in the Midlothian area near his Mother. He enjoys working with the students of the University of Richmond as a mentor whenever asked to do so and is an avid Spiders Fan. One of his favorite past times is horticulture. He grows various citrus fruits as well as other varieties of fruit and vegetables. He is also enjoys going fly fishing.
Stamford Niou is a Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Leaving Singapore Stamford moved to the United States in 1976. He received his Bachelor of Science in Chemistry/Finance from the University of Richmond in 1984 and was inducted into the American Chemistry Honor Society. In 1997 he completed the Darden Executive Graduate Program of mergers and acquisitions.
Stamford prides himself on taking care of his clients. For discretionary accounts he takes a tactical approach, reviewing each account on a daily basis seeking to manage the risks taken while striving to provide performance and preserving his client’s wealth. He researches each company invested in thoroughly looking to the future of the company and that of his clients.
His experiences being born and obtaining his childhood education outside of the United States gives him a unique value added view to international investing that allows him to have a broader understanding of the emerging markets. His goal is to make sure that every one of his clients gains financial independence.
Stamford lives in the Midlothian area near his Mother. He enjoys working with the students of the University of Richmond as a mentor whenever asked to do so and is an avid Spiders Fan. One of his favorite past times is horticulture. He grows various citrus fruits as well as other varieties of fruit and vegetables. He is also enjoys going fly fishing.
Stamford Niou is a Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: PA, NV, CA, AZ, LA, DE, CT, NJ, NH, CO, GA, UT, VA, TN, FL, SC, NY, DC, AL, TX, NC, MI, MD, HI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1500390
NMLS#: 1500390
About Stephanie J. Caudill
Stephanie has been a part of Morgan Stanley and its predecessor firms, for over 25 years. She began her career with First Virginia Bank – Colonial (now part of Truist), in 1991 as a Bank Teller.
In 1996 Stephanie joined the Richmond, Virginia branch of Smith Barney, working as a cashier in the Branch Operations Department. Later, in 1999, she became the Branch Administrator, working closely with the Branch Manager, Regional Operations, and local Financial Advisors regarding operational and administrative issues.
Her desire to work directly with clients created the opportunity for her to work as a Registered Associate in 2005. Her current role, Portfolio Associate, affords her to the ability to participate in client as well as prospective client meetings. This interaction allows her to have a better understanding of the client(s) and assist with any questions or needs they may have, face to face or over the phone. She is responsible for the day-to-day operations and administration of the team as well as all aspects of customer care.
Stephanie maintains the Series 65 Investment Advisor registration, Insurance License as well as her series 7, 31 & 63.
She is a native of Amelia County, Virginia where her two sons, Zacherie and Ashton currently reside. Stephanie is currently living in Columbia, South Carolina with her Fiancée’.
In 1996 Stephanie joined the Richmond, Virginia branch of Smith Barney, working as a cashier in the Branch Operations Department. Later, in 1999, she became the Branch Administrator, working closely with the Branch Manager, Regional Operations, and local Financial Advisors regarding operational and administrative issues.
Her desire to work directly with clients created the opportunity for her to work as a Registered Associate in 2005. Her current role, Portfolio Associate, affords her to the ability to participate in client as well as prospective client meetings. This interaction allows her to have a better understanding of the client(s) and assist with any questions or needs they may have, face to face or over the phone. She is responsible for the day-to-day operations and administration of the team as well as all aspects of customer care.
Stephanie maintains the Series 65 Investment Advisor registration, Insurance License as well as her series 7, 31 & 63.
She is a native of Amelia County, Virginia where her two sons, Zacherie and Ashton currently reside. Stephanie is currently living in Columbia, South Carolina with her Fiancée’.
About E. Jarratt Ramsey, III
Jarratt has spent the last 25+ years in various fields of the financial industry. With that experience, he brings a distinctive perspective and understanding of personal finance to help clients accomplish their goals.
Jarratt is a 1996 graduate of Hampden-Sydney College where he received his Bachelor of Arts in Economics. He began his career in the financial industry with Chesapeake Capital Corporation, a commodities trading advisor in 1996 as a trader; in 2003 Jarratt moved to managing the trading desks during overnight Asian and European trading.
In 2008 he took a position with Agecroft Partners in Richmond as Managing Director, helping institutional clients find suitable investments for a wide variety of portfolios. In order to be more closely aligned with his clients and their investments, he joined Morgan Stanley and The Niou Way Group in 2017.
Jarratt is a native of Richmond and lives in the Westhampton area with his wife, Buff, and their children, Jake and Sulli. A sports enthusiast, Jarratt was captain of the cross-country team while at Hampden-Sydney. In his spare time he enjoys playing squash, golf and running.
Jarratt is a 1996 graduate of Hampden-Sydney College where he received his Bachelor of Arts in Economics. He began his career in the financial industry with Chesapeake Capital Corporation, a commodities trading advisor in 1996 as a trader; in 2003 Jarratt moved to managing the trading desks during overnight Asian and European trading.
In 2008 he took a position with Agecroft Partners in Richmond as Managing Director, helping institutional clients find suitable investments for a wide variety of portfolios. In order to be more closely aligned with his clients and their investments, he joined Morgan Stanley and The Niou Way Group in 2017.
Jarratt is a native of Richmond and lives in the Westhampton area with his wife, Buff, and their children, Jake and Sulli. A sports enthusiast, Jarratt was captain of the cross-country team while at Hampden-Sydney. In his spare time he enjoys playing squash, golf and running.
Contact Stamford Niou
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1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
