Phone:
(801) 733-2734(801) 733-2734
The Ridgeline Group at Morgan Stanley
Direct:
(801) 733-2731(801) 733-2731
Toll-Free:
(800) 925-0927(800) 925-0927
Our Mission Statement
Our mission is to provide our clients with the highest level of financial planning and investment management services possible. Regularly communicate with our clients and share information and advice required to help reach their financial goals. We provide our services with a dedication to an exceptional client experience, always putting our clients’ best interests before our own and strive to deliver our services with warmth, friendliness and attention to detail.
Welcome
For us, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you develop a unique investment plan that is in line with your financial goals.
Leveraging a sophisticated suite of digital and analytical tools, the thought leadership of Morgan Stanley, and the combined experience of our team, we can work with you to create a robust, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that addresses you and your family's unique circumstances, greatest dreams, and most pressing concerns, while taking into account risks and opportunities in your life and the environment.
Leveraging a sophisticated suite of digital and analytical tools, the thought leadership of Morgan Stanley, and the combined experience of our team, we can work with you to create a robust, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that addresses you and your family's unique circumstances, greatest dreams, and most pressing concerns, while taking into account risks and opportunities in your life and the environment.
Retirement
Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need and help maintain progress toward your financial goals.
Managing Investments
We manage your retirement accounts and other investments based on your comfort level with risk and current tax circumstances, tailoring your financial strategy to your unique situation needs, and goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a back-up plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help make sure that your requests are met in an efficient and cost-effective way.
Managing Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine if we can save you money on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to determine what type(s) of insurance best fit your needs and help determine if your current insurance policies are well suited for you and your goals.
Spending & Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn MoreWorking With You
Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes:
Discovery
We will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work.
Analysis & Recommendation
Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset preservation, retirement planning, wealth transfer, philanthropy and other areas beyond investment management.
Implementation
After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning strategies, lending, tax planning strategies and more.
Review Objectives
We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs.
Morgan Stanley Research & Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape combined with our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online (MSO)
Seamlessly and securely manage your investments and everyday finances in one place. Have access to key information and the ability to make transfers and trades on Morgan Stanley Online (MSO) or the Morgan Stanley App.
Click to learn more
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online and Total Wealth View, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Click to learn more
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the latest report
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read On the Markets
2024 Global Macroeconomic Outlook: Central Banks Look for ‘Just Right’ on Rates
Morgan Stanley Research expects slowing global growth as central banks walk a fine line between inflation and recession.
Read the ReportLocation
6510 S Millrock Drive
Ste 100
Holladay, UT 84121
US
Direct:
(801) 733-2731(801) 733-2731
Toll-Free:
(800) 925-0927(800) 925-0927
Meet The Ridgeline Group
Phone:
(801) 733-2731(801) 733-2731
Tom Withers
Client Service Associate
Phone:
(801) 947-3044(801) 947-3044
About Tracy Holmes Duckworth
Tracy Duckworth is a Senior Vice President, Portfolio Management Director, and Financial Advisor. He has over 30 years of experience in finance and has been with Morgan Stanley since 2012.
Tracy is a graduate of Utah State University in 1983 with a degree in Finance and a minor in Economics. While playing football for the Aggies, he was able to graduate in just 3 ½ years and went on to receive his Masters of Business Administration (MBA). He also received the coveted Wayne Estes Memorial Award given annually to a student athlete for outstanding achievement in athletics, the classroom and in the community.
After graduation, he worked on his own for three years and in 1987 entered the financial services industry by accepting a job with Paine Webber. Tracy has held many positions since entering the business from Insurance Coordinator, to Local Manager in Ogden, to Complex Manager of the Utah Complex.
In September 2012, Tracy partnered with former colleague, Amy Leonard. The partnership has broadened the practice’s services and has helped Tracy and Amy to concentrate on their specific talents. With the Ridgeline Group, Tracy’s areas of focus include portfolio management, municipal bonds and option strategies.
Tracy and his wife, Lorie have lived in Holladay their entire married life. They are the parents of 5 children and 11 grandchildren. Tracy loves to travel, enjoys skiing, golf, tennis and spending time with his family. He is actively involved in his church and many other local and community organizations. He believes that giving back to the community is the best way to thank those who have helped him get where he is today.
Tracy is a graduate of Utah State University in 1983 with a degree in Finance and a minor in Economics. While playing football for the Aggies, he was able to graduate in just 3 ½ years and went on to receive his Masters of Business Administration (MBA). He also received the coveted Wayne Estes Memorial Award given annually to a student athlete for outstanding achievement in athletics, the classroom and in the community.
After graduation, he worked on his own for three years and in 1987 entered the financial services industry by accepting a job with Paine Webber. Tracy has held many positions since entering the business from Insurance Coordinator, to Local Manager in Ogden, to Complex Manager of the Utah Complex.
In September 2012, Tracy partnered with former colleague, Amy Leonard. The partnership has broadened the practice’s services and has helped Tracy and Amy to concentrate on their specific talents. With the Ridgeline Group, Tracy’s areas of focus include portfolio management, municipal bonds and option strategies.
Tracy and his wife, Lorie have lived in Holladay their entire married life. They are the parents of 5 children and 11 grandchildren. Tracy loves to travel, enjoys skiing, golf, tennis and spending time with his family. He is actively involved in his church and many other local and community organizations. He believes that giving back to the community is the best way to thank those who have helped him get where he is today.
Securities Agent: NY, NV, HI, DE, ID, WY, IN, TN, FL, NC, MI, IL, AZ, ME, CO, CA, WA, VA, TX, SC, GA, UT, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1347373
NMLS#: 1347373
About Amy Leonard
Amy Leonard is a First Vice President, Senior Portfolio Manager and Financial Advisor. She has 24 years of financial services experience and has been with Morgan Stanley since 2010.
Amy graduated from the University of Utah in 1997 with a Bachelor’s Degree in Political Science and a minor in French and Art History. During her studies, she was a Senate Page during a Utah Legislative Session, studied abroad in Neuchatel, Switzerland and was a member of the Delta Gamma sorority.
During college, Amy worked at Fidelity Investments in Salt Lake City to see if she wanted to follow her fathers’ career path as a Financial Advisor. After graduation, Amy accepted a job with a regional bank and since has held positions including Control Officer, Complex Administrative Manager, Financial Advisor and Branch Manager.
After working in management for a number of years, Amy returned to her true passion of being a Financial Advisor and working directly with clients. In 2010, she joined Morgan Stanley to focus on her clients’ wealth management needs. With the Ridgeline Group, Amy concentrates on individual stocks, covered calls and insurance products.
Amy and her husband, Robert live in Holladay and have two children, Zackary and Addy. They are active in their local schools and PTA as well as community sports. Rob and Amy also support many community organizations. In her free time, she enjoys spending time with family in the outdoors, camping, golfing, and boating. Amy also likes to read and solve puzzles.
Amy graduated from the University of Utah in 1997 with a Bachelor’s Degree in Political Science and a minor in French and Art History. During her studies, she was a Senate Page during a Utah Legislative Session, studied abroad in Neuchatel, Switzerland and was a member of the Delta Gamma sorority.
During college, Amy worked at Fidelity Investments in Salt Lake City to see if she wanted to follow her fathers’ career path as a Financial Advisor. After graduation, Amy accepted a job with a regional bank and since has held positions including Control Officer, Complex Administrative Manager, Financial Advisor and Branch Manager.
After working in management for a number of years, Amy returned to her true passion of being a Financial Advisor and working directly with clients. In 2010, she joined Morgan Stanley to focus on her clients’ wealth management needs. With the Ridgeline Group, Amy concentrates on individual stocks, covered calls and insurance products.
Amy and her husband, Robert live in Holladay and have two children, Zackary and Addy. They are active in their local schools and PTA as well as community sports. Rob and Amy also support many community organizations. In her free time, she enjoys spending time with family in the outdoors, camping, golfing, and boating. Amy also likes to read and solve puzzles.
Securities Agent: SC, ME, CO, ID, AZ, NY, NV, WI, TX, CA, FL, DE, WY, VA, UT, IL, MI, HI, NC, OR, TN, GA, WA, IN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261801
NMLS#: 1261801
Contact Tracy Holmes Duckworth
Contact Amy Leonard
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Ridgeline Group today.
1When 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.
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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance 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*.
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.
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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance 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*.
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)
