W. Self Radcliff
Senior Vice President, Financial Advisor, Family Wealth Director, Alternative Investments Director, Investment Management Consultant, Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(251) 270-3240(251) 270-3240
The Radcliff-Schatzman Group at Morgan Stanley
Direct:
(251) 470-1060(251) 470-1060
Direct:
(251) 470-1081(251) 470-1081
Our Mission Statement
Guidance to help you understand and succeed in every aspect of your financial life
Our Story
Clients become our clients for a wide variety of reasons. Some feel they weren’t getting the attention they needed from their previous advisory relationship. Others are concerned they might not be doing whatever is necessary to navigate the complexities of today’s financial environment and succeed in reaching their retirement or other financial goals. Still others are successful businesses seeking to provide their employees with meaningful retirement benefits, or ultra-high net worth families concerned about passing their wealth to the next generation.
For all these clients, The Radcliff Schatzman Group offers benefits that we believe distinguish us from many of the other advisory firms available to you:
• We are a true team, not a collection of Financial Advisors who don’t know each other’s clients. Each of us plays a distinct role in every client relationship and all of us are committed to providing you with the guidance to achieve your goals and the service to simplify your financial life.
• We employ a comprehensive plan-based approach to your finances that shows you where you are in relation to your goals and offers tangible recommendations for reaching those goals within your required timeframe. Your plan includes your investments, as you would expect, but it goes far beyond to encompass such diverse disciplines as estate planning, lending, insurance and philanthropy.
• Our team members have gone the extra mile to earn industry and Morgan Stanley designations that affirm our ability to help you meet even your most complex financial challenges. These credentials include Family Wealth Director, a designation awarded to less than 5% of all Morgan Stanley Financial Advisors, Corporate Retirement Director, Alternative Investments Director, and Certified Portfolio Manager (CPM®).
• As your Financial Advisor, we believe that service and communication should be key to what we hope to accomplish together. Our approach to service is disciplined and extensive. You can count on us to talk with you monthly, review your portfolio at least quarterly and update your financial plan annually. If by some chance you can’t reach us, we pledge to get back to you within an hour. If you have an issue that can’t be resolved immediately, you can expect that it will be within 24 hours.
For all these clients, The Radcliff Schatzman Group offers benefits that we believe distinguish us from many of the other advisory firms available to you:
• We are a true team, not a collection of Financial Advisors who don’t know each other’s clients. Each of us plays a distinct role in every client relationship and all of us are committed to providing you with the guidance to achieve your goals and the service to simplify your financial life.
• We employ a comprehensive plan-based approach to your finances that shows you where you are in relation to your goals and offers tangible recommendations for reaching those goals within your required timeframe. Your plan includes your investments, as you would expect, but it goes far beyond to encompass such diverse disciplines as estate planning, lending, insurance and philanthropy.
• Our team members have gone the extra mile to earn industry and Morgan Stanley designations that affirm our ability to help you meet even your most complex financial challenges. These credentials include Family Wealth Director, a designation awarded to less than 5% of all Morgan Stanley Financial Advisors, Corporate Retirement Director, Alternative Investments Director, and Certified Portfolio Manager (CPM®).
• As your Financial Advisor, we believe that service and communication should be key to what we hope to accomplish together. Our approach to service is disciplined and extensive. You can count on us to talk with you monthly, review your portfolio at least quarterly and update your financial plan annually. If by some chance you can’t reach us, we pledge to get back to you within an hour. If you have an issue that can’t be resolved immediately, you can expect that it will be within 24 hours.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Family Wealth Director
As you reach a certain level of financial success, managing your assets can turn into a full-time job, or even become an overwhelming challenge. The investment choices available to you become more varied and complex, and the strategies to efficiently transfer wealth and fulfill your philanthropic ambitions become increasingly sophisticated.
Following a thorough process, we help you create a highly customized and truly comprehensive wealth plan that touches every aspect of your financial life. Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations. We provide you with personalized and consultative guidance, and we assemble and integrate the needed skills and resources to help you succeed on your terms.
Our goal is to understand you vision, preferences and unique circumstances so that we can work with you to help develop an overall wealth management strategy that meets your needs and helps you and your family reach your goals.
Having Self as your Family Wealth Director, a designation currently held by less than 5% of Morgan Stanley’s financial advisors, our team is able to connect you to a comprehensive suite of family office services – a unique combination of resources, experience, and access to dedicated professionals.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Following a thorough process, we help you create a highly customized and truly comprehensive wealth plan that touches every aspect of your financial life. Our goal is to help you protect and grow the wealth you have created, and to help you and your family maintain unity as you pass both assets and values across generations. We provide you with personalized and consultative guidance, and we assemble and integrate the needed skills and resources to help you succeed on your terms.
Our goal is to understand you vision, preferences and unique circumstances so that we can work with you to help develop an overall wealth management strategy that meets your needs and helps you and your family reach your goals.
Having Self as your Family Wealth Director, a designation currently held by less than 5% of Morgan Stanley’s financial advisors, our team is able to connect you to a comprehensive suite of family office services – a unique combination of resources, experience, and access to dedicated professionals.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Services Include:
- Financial Planning
- Alternative Investments
- Tax, Trust & Estate Planning
- Family Governance & Dynamics
- Philanthropy Management
- Lifestyle Advisory
- Family Wealth Educational Programs
- Cash Management & Lending Products
- Private Health Care Advisory
- Life Insurance
Valuable Resources
Our comprehensive suite of digital resources are designed to help enhance every aspect of your financial life. These resources are meant to transform complex financial analysis and research into concise and easily digestible content.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Check out the latest report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Check out the latest report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episode
A Parent's Guide to Talking to Your Kids About Money
Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
Click here for more
You Can't Manage Portfolio Risk Without Seeing The Big Picture
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
Click here for more
6 Money Questions to Ask Your Partner Before You Commit
Thinking of taking the next step with someone special? Head off money headaches by talking about your finances first.
Click here for more
What's Your Relationship with Wealth
Before engaging in family wealth-planning conversations, you may want to examine your own feelings and attitudes about wealth. Here are some questions you can ask yourself.
Click here for more
Innovative Ways to Pay for Education
A 529 plan is a great way to invest for future education costs, but there are also other options to raise the funds you need.
Click here for more
Top 5 Mistakes Investors Make in a Market Sell-Off
Whether it is panic selling, hiding out in cash, or trading frantically during volatile markets, investors tend to make several mistakes that can hurt them long-term. Know how to spot—and avoid—the most common bad behaviors.
Click here for more
How to Break the Ice Around Family Finances
Talking about family finances can help you reach your financial goals, build trust, and avoid conflict. Let’s discuss how these tips can help you get started.
Click here for moreCorporate Retirement
Businesses establish retirement plans for different reasons. Some hope to attract talented employees. Others are more concerned with retaining them. Still others simply want to show employees that they truly care about their financial wellbeing. Hutch Radcliff is a Morgan Stanley-credentialed Corporate Retirement Director who spearheads our team’s efforts to help you understand how your plan is performing versus the objectives you’ve set for it.
We work closely with you to develop an employee education and enrollment plan that that is designed to increase plan participation and employee satisfaction, depending on your organizational needs.
In addition, our analysis includes:
We work closely with you to develop an employee education and enrollment plan that that is designed to increase plan participation and employee satisfaction, depending on your organizational needs.
In addition, our analysis includes:
Fees and Services Benchmarking
Are you getting the service you require from your current provider at a reasonable cost? Our comprehensive analysis compares your plan to others of comparable size. If your current provider is found lacking, we can help you identify more suitable sources.
Provider Search
Recordkeeping, communications, investment flexibility, and fees are only a few factors that should be considered when evaluating a retirement plan provider. The Radcliff Schatzman Group can work with you to identify, select, and negotiate with the provider that best suits your plan’s needs.
Meeting Fiduciary Responsibilities
We help you navigate your fiduciary responsibilities and have the ability to help you demonstrate consistent compliance with the DOL and ERISA through written documentation in a fiduciary audit file. In addition, we have helped dozens of plan sponsors refine or develop Investment Policy Statements to eliminate emotion from the decision-making process and
document your methodology for:
o Diversifying your plan across appropriate asset classes and investment categories
o Selecting, hiring, and terminating investment management organizations
o Rebalancing portfolios, if applicable
document your methodology for:
o Diversifying your plan across appropriate asset classes and investment categories
o Selecting, hiring, and terminating investment management organizations
o Rebalancing portfolios, if applicable
Additional Resources
The Services Available to Your Retirement planLocation
11 N Water St
Suite 16290
Mobile, AL 36602
US
Direct:
(251) 470-1060(251) 470-1060
66 Portico Street
Fairhope, AL 36532
US
Direct:
(251) 470-1081(251) 470-1081
Meet The Radcliff-Schatzman Group
W Hutchings Radcliff
Senior Vice President, Financial Advisor, Alternative Investments Director, Corporate Retirement Director, Senior Investment Management Consultant
Phone:
(251) 270-3241(251) 270-3241
Christopher Schatzman
Senior Vice President, Financial Advisor, Family Wealth Advisor, Financial Planning Specialist, Workplace Advisor – Equity Compensation
Phone:
(251) 470-1099(251) 470-1099
J. Marshall Shields
Associate Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(251) 470-1097(251) 470-1097
Chesley Allegri, CIMA®
Financial Advisor
Phone:
(251) 270-3242(251) 270-3242
Susan Sackett
Senior Client Service Associate
Phone:
(251) 470-1069(251) 470-1069
Ashley Johnson, Certified Financial Planner
Financial Planning Analyst
Phone:
(251) 470-1094(251) 470-1094
Cassandra Samaj, CRPS®
Wealth Management Associate
Phone:
(251) 470-1070(251) 470-1070
About W. Self Radcliff
Self is a Senior Vice President, Family Wealth Director, Certified Portfolio Manager, and Investment Management Consultant for the Radcliff-Schatzman Group, providing customized wealth management solutions since 1992.
As Family Wealth Director, a designation currently held by less than 5% of Morgan Stanley’s 16,000 Financial Advisors, Self has attained highly-specialized training in helping wealthy families solve complex issues. This title offers Self and his team direct access to the Advanced Resources Center, an elite resource designed to provide these families the intellectual capital, vast resources, and advisory services needed to reach their tailored and specific goals. As lead Portfolio Manager and chief Investment Consultant, Self utilizes a disciplined financial and investment process to customize portfolios for the team’s high net worth individuals and families.
Self graduated from the University of Alabama with a Bachelor’s Degree in Finance. He is a member of Big Brothers and Big Sisters of Alabama, and Downtown Mobile Alliance. Self enjoys biking, the outdoors, and spending time with his wife, Cathy, and their three children.
As Family Wealth Director, a designation currently held by less than 5% of Morgan Stanley’s 16,000 Financial Advisors, Self has attained highly-specialized training in helping wealthy families solve complex issues. This title offers Self and his team direct access to the Advanced Resources Center, an elite resource designed to provide these families the intellectual capital, vast resources, and advisory services needed to reach their tailored and specific goals. As lead Portfolio Manager and chief Investment Consultant, Self utilizes a disciplined financial and investment process to customize portfolios for the team’s high net worth individuals and families.
Self graduated from the University of Alabama with a Bachelor’s Degree in Finance. He is a member of Big Brothers and Big Sisters of Alabama, and Downtown Mobile Alliance. Self enjoys biking, the outdoors, and spending time with his wife, Cathy, and their three children.
Securities Agent: MS, DC, NY, NC, KY, PA, MT, MA, CT, NM, FL, CA, AR, UT, SC, OH, MO, LA, TX, MD, IA, WY, WA, VA, TN, IL, GA, CO, AL, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268280
NMLS#: 1268280
About W Hutchings Radcliff
Hutch serves as a Senior Vice President, Corporate Retirement Director and an Alternative Investments Director for the Radcliff-Schatzman Group.
As an Alternative Investments Director, Hutch has an in-depth knowledge and is highly trained in non-traditional investments. He has significantly incorporated, evaluated, and implemented Alternative Investments in his work with high net worth families and institutions, as a measure to increase portfolio diversification. A designated Corporate Retirement Director, Hutch also leads the team’s corporate retirement plan analysis, design and implementation.
Hutch is a board member of Bayside Academy. He graduated from the University of Alabama with a degree in Marketing and currently resides in Fairhope with his wife and three daughters.
As an Alternative Investments Director, Hutch has an in-depth knowledge and is highly trained in non-traditional investments. He has significantly incorporated, evaluated, and implemented Alternative Investments in his work with high net worth families and institutions, as a measure to increase portfolio diversification. A designated Corporate Retirement Director, Hutch also leads the team’s corporate retirement plan analysis, design and implementation.
Hutch is a board member of Bayside Academy. He graduated from the University of Alabama with a degree in Marketing and currently resides in Fairhope with his wife and three daughters.
Securities Agent: KS, WY, TN, MA, IL, MO, CT, AL, NC, LA, TX, MT, MS, KY, AR, DC, VA, PA, IA, OH, NM, CO, UT, NY, MD, FL, CA, AK, SC, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278815
NMLS#: 1278815
About Christopher Schatzman
Chris is a Senior Vice President, Financial Advisor, Financial Planning Specialist, and Family Wealth Advisor with over 45 years of experience in private business and financial services.
He provides comprehensive wealth management services to high net worth individuals and private business owners, coordinates all cash management and lending services for the team, and acts as a Family Wealth Advisor to multi-generational high net worth families. As key business development director, Chris is constantly seeking to build and generate new client relationships. Chris also serves as the Alabama/Florida Panhandle complex coach and mentor, and is a regular guest National Training Officer at Morgan Stanley’s Purchase NY training center.
Chris has a Bachelor’s degree in Communications from Spring Hill College and is a member of St. Paul’s Episcopal Church, a board member of the Leukemia and Lymphoma Society, a member of the Board of Directors of Wilmer Hall Children’s Home, and involved with Big Brothers and Big Sisters of Alabama and other charitable organizations. He enjoys playing golf, the outdoors and spending time with his wife Mary Lynne and their two children.
He provides comprehensive wealth management services to high net worth individuals and private business owners, coordinates all cash management and lending services for the team, and acts as a Family Wealth Advisor to multi-generational high net worth families. As key business development director, Chris is constantly seeking to build and generate new client relationships. Chris also serves as the Alabama/Florida Panhandle complex coach and mentor, and is a regular guest National Training Officer at Morgan Stanley’s Purchase NY training center.
Chris has a Bachelor’s degree in Communications from Spring Hill College and is a member of St. Paul’s Episcopal Church, a board member of the Leukemia and Lymphoma Society, a member of the Board of Directors of Wilmer Hall Children’s Home, and involved with Big Brothers and Big Sisters of Alabama and other charitable organizations. He enjoys playing golf, the outdoors and spending time with his wife Mary Lynne and their two children.
Securities Agent: UT, MO, AK, TN, SC, OH, NC, LA, KY, IL, TX, IA, CT, GA, FL, MS, WY, NY, CA, MT, MD, AR, CO, VA, NM, DC, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262292
NMLS#: 1262292
About J. Marshall Shields
Marshall serves as Vice President, Financial Advisor and Financial Planning Specialist with the Radcliff-Schatzman Group, providing a personalized and customized approach to wealth management since 2009.
Marshall conducts both group and one-on-one consultations with retirement plan sponsors and participants, working diligently to deliver customized retirement plan solutions to help meet an organization’s unique objectives. He is also responsible for managing a small number of individual clients, preparing financial plans, and coordinating team Alternative Investment activities.
Marshall graduated from the University of Alabama with a Bachelor’s Degree in Finance. In the community he has served as Past-President of Rotaract of the Mobile Bay Area, Former Chairman of the Exploreum Junior Advisory Board, Vestry Member of St. Paul’s Episcopal Church, mentor with Big Brothers Big Sisters, member of the Sunrise Rotary Club, and he has been involved with numerous other organizations over the years. Marshall enjoys the outdoors and spending time with his family and friends. He resides in Mobile with his wife Allison, son Marshall Jr, and daughter Henley.
Marshall conducts both group and one-on-one consultations with retirement plan sponsors and participants, working diligently to deliver customized retirement plan solutions to help meet an organization’s unique objectives. He is also responsible for managing a small number of individual clients, preparing financial plans, and coordinating team Alternative Investment activities.
Marshall graduated from the University of Alabama with a Bachelor’s Degree in Finance. In the community he has served as Past-President of Rotaract of the Mobile Bay Area, Former Chairman of the Exploreum Junior Advisory Board, Vestry Member of St. Paul’s Episcopal Church, mentor with Big Brothers Big Sisters, member of the Sunrise Rotary Club, and he has been involved with numerous other organizations over the years. Marshall enjoys the outdoors and spending time with his family and friends. He resides in Mobile with his wife Allison, son Marshall Jr, and daughter Henley.
Securities Agent: CA, TN, VA, SC, OH, MD, SD, NM, NC, MO, LA, IA, GA, FL, DC, AL, UT, MT, AK, MS, KY, IL, CT, TX, ID, CO, AR, WY, NY, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274672
NMLS#: 1274672
About Chesley Allegri
Chesley Allegri serves as a Financial Advisor and Certified Investment Management Analyst with the Radcliff-Schatzman Group at Morgan Stanley.
As a Certified Investment Management Analyst, Chesley offers another layer of depth and experience to help meet the evolving goals of clients. She uses a modern wealth management strategy to offer first-class service and financial analysis to clients in today's technology driven society. She is responsible for preparing financial plans, servicing corporate retirement plans, and business development.
After growing up in Fairhope, Alabama, Chesley obtained a Bachelor's Degree in Finance and Economics from Auburn University. Over the years she has cultivated comprehensive knowledge and experience in investment products and consulting. She has worked in the financial services industry for over 13 years.
In her free time Chesley enjoys reading, yoga, fishing, paddling, and spending time outdoors. She is actively involved in The Point Clear Rotary, Impact 100 Baldwin County, and South Alabama Land Trust. She also helps produce Mountainfilm Festival On Tour in Pensacola, Florida each year. She currently resides on Fly Creek with her husband, Ryan, and yellow lab, Rudder.
As a Certified Investment Management Analyst, Chesley offers another layer of depth and experience to help meet the evolving goals of clients. She uses a modern wealth management strategy to offer first-class service and financial analysis to clients in today's technology driven society. She is responsible for preparing financial plans, servicing corporate retirement plans, and business development.
After growing up in Fairhope, Alabama, Chesley obtained a Bachelor's Degree in Finance and Economics from Auburn University. Over the years she has cultivated comprehensive knowledge and experience in investment products and consulting. She has worked in the financial services industry for over 13 years.
In her free time Chesley enjoys reading, yoga, fishing, paddling, and spending time outdoors. She is actively involved in The Point Clear Rotary, Impact 100 Baldwin County, and South Alabama Land Trust. She also helps produce Mountainfilm Festival On Tour in Pensacola, Florida each year. She currently resides on Fly Creek with her husband, Ryan, and yellow lab, Rudder.
Securities Agent: LA, NY, UT, NM, OK, VA, IA, FL, CA, WY, SC, IL, DC, CO, AK, TX, CT, AR, OH, KY, MS, MD, GA, NC, MT, MO, AL, WI, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1802251
NMLS#: 1802251
About Susan Sackett
With more than 30 years of financial services experience, Susan performs a wide variety of operational and administrative tasks that are critical to the well-being of clients and their families. Opening accounts, transferring assets, reviewing client beneficiaries on an annual basis – Susan is committed to helping clients simplify their financial lives. She also takes a lead role in introducing clients to Morgan Stanley’s many digital services and showing them how to take full advantage of document e-sign and other technological conveniences.
Born in West Virginia, Susan followed her family to the deep South and graduated from The University of South Alabama with a degree in Marketing. She worked at Southtrust Bank for 16 years in commercial lending operations and joined a Morgan Stanley predecessor firm in 2007. Outside the office, she is an enthusiastic animal lover whose pet cat Sadee showed up on her doorstep during the pandemic and never left. As you might guess. Susan is an avid supporter of The Humane Society. She also encourages her colleagues to get involved in the many charitable initiatives that Morgan Stanley sponsors throughout the year and is especially gratified that the Mobile branch has achieved 100% participation.
Born in West Virginia, Susan followed her family to the deep South and graduated from The University of South Alabama with a degree in Marketing. She worked at Southtrust Bank for 16 years in commercial lending operations and joined a Morgan Stanley predecessor firm in 2007. Outside the office, she is an enthusiastic animal lover whose pet cat Sadee showed up on her doorstep during the pandemic and never left. As you might guess. Susan is an avid supporter of The Humane Society. She also encourages her colleagues to get involved in the many charitable initiatives that Morgan Stanley sponsors throughout the year and is especially gratified that the Mobile branch has achieved 100% participation.
About Ashley Johnson
Ashley brings 15 years of financial services experience to every Radcliff Schatzman Group client. She performs a wide variety of administrative tasks designed to simplify the lives of the clients she serves and help them open accounts, complete complex documentation, transfer assets and arrange for distributions. Ashley also plays a prominent role in the team’s financial planning efforts, collecting clients’ financial information, running plan software and updating plans on a regular basis.
A Spanish Fort native, Ashley graduated from The University of South Alabama with a degree in Finance and began her financial career at Raymond James. Subsequently, she worked in retail banking for 10 years, consulting with clients to fulfill their banking and lending needs. She joined Morgan Stanley in 2019 and greatly enjoys the relationships she’s established with clients through frequent interactions and the financial plans she creates.
Ashley and her husband reside in Mobile with their two young sons, Bryce and Camden.
A Spanish Fort native, Ashley graduated from The University of South Alabama with a degree in Finance and began her financial career at Raymond James. Subsequently, she worked in retail banking for 10 years, consulting with clients to fulfill their banking and lending needs. She joined Morgan Stanley in 2019 and greatly enjoys the relationships she’s established with clients through frequent interactions and the financial plans she creates.
Ashley and her husband reside in Mobile with their two young sons, Bryce and Camden.
About Cassandra Samaj
Cassandra may be one of the first Radcliff Schatzman Group professionals you meet when deciding to become our client. She is one of our team’s “onboarding specialists,” helping clients open accounts, transfer assets, complete paperwork and understand the ins and outs of Morgan Stanley’s online client capabilities. In addition, Cassandra plays a key role in our 401(k) business, serving as one of the team’s primary service contacts for plan sponsors and participants.
Originally from Idaho, Cassandra moved to Florida at the age of 18 and worked for several well-known financial services firms over her more than 25-year career. These included AG Edwards, UBS and Wells Fargo Advisors before she joined Morgan Stanley in 2011.
Cassandra loves interacting with clients and forming personal relationships that enhance her ability to provide meaningful personalized service. An active member of the Mobile community, she volunteers with the Coastal Alabama Down Syndrome Society, co-chairing that organization’s Buddy Walk, a major fundraising event, and advocating for members and their children with local school systems. She is also deeply involved with her church’s outreach to the homeless.
The mother of Isabel, who was born with Down syndrome, and Olivia, Cassandra resides in Mobile, AL with her husband Peter and their amazing daughters.
Originally from Idaho, Cassandra moved to Florida at the age of 18 and worked for several well-known financial services firms over her more than 25-year career. These included AG Edwards, UBS and Wells Fargo Advisors before she joined Morgan Stanley in 2011.
Cassandra loves interacting with clients and forming personal relationships that enhance her ability to provide meaningful personalized service. An active member of the Mobile community, she volunteers with the Coastal Alabama Down Syndrome Society, co-chairing that organization’s Buddy Walk, a major fundraising event, and advocating for members and their children with local school systems. She is also deeply involved with her church’s outreach to the homeless.
The mother of Isabel, who was born with Down syndrome, and Olivia, Cassandra resides in Mobile, AL with her husband Peter and their amazing daughters.
Contact W. Self Radcliff
Contact W Hutchings Radcliff
Contact Christopher Schatzman
Contact J. Marshall Shields
Contact Chesley Allegri
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State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Radcliff-Schatzman Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4When 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4When 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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)
