Randy Payne
Senior Private Banker
Joel Dale Travis, MBA, MSF
First Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(817) 820-2201(817) 820-2201
Toll-Free:
(800) 767-1117(800) 767-1117
My Mission Statement
I aspire to help my clients succeed in their life, money and investments: one plan, one allocation and one meeting at a time
My Story and Services
Joel is a First Vice President, Portfolio Management Director, and Financial Advisor with Trinity River Wealth Advisors at Morgan Stanley. He holds both a Master of Business Administration and Master of Science in Finance from Northeastern University in Boston.
As the co-founder of Trinity River Wealth Advisors at Morgan Stanley and it’s overarching strategic vision, Joel’s expertise is in Portfolio construction as he personally creates and actively manages a full portfolio or custom strategies providing our clients with bespoke investment solutions tailored to their individual needs. Using alternative investments as a compliment to investment portfolios, clients receive a boutique investment experience: white glove service and personalized investment attention.
Additionally, with his specialization in 401k plans, he helps business owners and plan sponsors be more cost effective and compliant. He seeks to help reduce the administrative burden that comes with managing a plan, while satisfying fiduciary obligations.
Joel is a native of Amarillo, Texas and originally began his career in the financial services industry after interning with MetLife and AIG while in college. Joel completed his undergraduate studies at West Texas A&M University. Joel has been with Morgan Stanley since 2011 and brings years of experience both as an entrepreneur and advisor.
Joel currently resides in Fort Worth with his wife, Janet, and together they have five children. In his free time, Joel is an avid runner participating in both competitive running and Ironman competitions. Additionally, as a classically trained musician, he is active in serving at his local church through music. When he is not reading market research, he enjoys reading historical novels, traveling, and spending time with his wife and kids.
Joel currently holds his General Securities Representative (Series 7) License, Registered Investment Advisor Representative (Series 66) License, General Security Sales Supervisor (Series 9/10) License and holds a Texas Life, Health, and Long-Term Care Insurance License
As the co-founder of Trinity River Wealth Advisors at Morgan Stanley and it’s overarching strategic vision, Joel’s expertise is in Portfolio construction as he personally creates and actively manages a full portfolio or custom strategies providing our clients with bespoke investment solutions tailored to their individual needs. Using alternative investments as a compliment to investment portfolios, clients receive a boutique investment experience: white glove service and personalized investment attention.
Additionally, with his specialization in 401k plans, he helps business owners and plan sponsors be more cost effective and compliant. He seeks to help reduce the administrative burden that comes with managing a plan, while satisfying fiduciary obligations.
Joel is a native of Amarillo, Texas and originally began his career in the financial services industry after interning with MetLife and AIG while in college. Joel completed his undergraduate studies at West Texas A&M University. Joel has been with Morgan Stanley since 2011 and brings years of experience both as an entrepreneur and advisor.
Joel currently resides in Fort Worth with his wife, Janet, and together they have five children. In his free time, Joel is an avid runner participating in both competitive running and Ironman competitions. Additionally, as a classically trained musician, he is active in serving at his local church through music. When he is not reading market research, he enjoys reading historical novels, traveling, and spending time with his wife and kids.
Joel currently holds his General Securities Representative (Series 7) License, Registered Investment Advisor Representative (Series 66) License, General Security Sales Supervisor (Series 9/10) License and holds a Texas Life, Health, and Long-Term Care Insurance License
Services Include
- Asset Management
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- AnnuitiesFootnote4
- 401(k) Rollovers
- Qualified Retirement PlansFootnote5
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Trust AccountsFootnote8
- Wealth ManagementFootnote9
- Estate Planning StrategiesFootnote10
Securities Agent: DE, AR, MA, IL, NV, NM, MS, MN, ID, IA, TX, OK, NH, LA, KY, AZ, VA, SC, OH, NC, MT, MO, PR, PA, NY, NE, ND, KS, SD, IN, GA, CO, CA, RI, WI, WA, UT, OR, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1274641
NMLS#: 1274641
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Core Capabilities
Trust, Tax & Estate Planning
Creating a successful Trust, Tax & Estate Plan- Comprehensive Overview
Tax Efficient Investing
Integrate tax advantaged solutions into your investment strategy
Alternatives Investments
Diversify your exposure by incorporating Alternative Investments into your overall allocation
Pre-Liquidity Event Planning
We can help you prepare before realizing a liquidity event such as an IPO or sale of a business
Commercial Real Estate Lending
Access nonrecourse real estate loans with our Commercial Real Estate Lending GroupPlanning For Your Family's Financial Needs
Philanthropic Planning
Your set of philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Strategic Philanthropy
Trust and Estate Planning
With you every step of the way. The Trinity River Wealth Advisors analyzes a client's tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
The State of Your Parents' Estate
Art Advisory
There are peculiarities of art as an asset that require extra vigilance and understanding with which an art advisor can assist.
Read More About Our Art Advisory Platform
Family Governance and Wealth Education
Particularly in the case of an ultra-high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework when transferring wealth among generations. Family Governance & Wealth Education is a comprehensive, family-focused offering designed to help UHNW families address their human capital challenges.
Family Wealth Education
Lifestyle Advisory
Lifestyle Advisory provides you with access to bespoke solutions and knowledgeable, highly personal specialists to help them meet exceptional needs from the everyday to the extraordinary.
Lifestyle Advisory
Financial Literacy
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Financial Literacy
Solutions for Business Owners
If you are contemplating an exit from your business, there are a multitude of personal, business, tax, estate, and financial factors involved in making this important decision. Planning ahead with the help of your professional advisors is essential for mitigating risk, enhancing business value, and ensuring that the exit helps you achieve your most important goals.
Exiting Your BusinessClient Service Team
Cooper Lane - Wealth Management Associate
Phone:
(817) 820-2259(817) 820-2259
Email:cooper.lane@morganstanley.com
With more than 15 years of experience in the Financial Services industry Cooper Lane uses her extensive knowledge to deliver service to clients. She holds her Series 7 & 66 license and was recently promoted to Wealth Management Associate. She plays a key role in helping clients with their operational and administrative needs. Cooper takes a lead role in the team’s coordination and day-to-day operations. She has a passion and focus to help clients achieve their financial goals.
Cooper was born and raised in Wichita Falls, Texas and graduated from Midwestern State University with a bachelor’s degree in Business Management. She lives in Roanoke, Texas with her husband, Brady, and their two daughters Lakely (4) and Logan (1). Cooper is very involved in her church and enjoys serving in her community. She also loves to travel and spend time with family and friends.
Cooper was born and raised in Wichita Falls, Texas and graduated from Midwestern State University with a bachelor’s degree in Business Management. She lives in Roanoke, Texas with her husband, Brady, and their two daughters Lakely (4) and Logan (1). Cooper is very involved in her church and enjoys serving in her community. She also loves to travel and spend time with family and friends.
Location
201 Main St
Ste 1500
Fort Worth, TX 76102
US
Direct:
(817) 820-2201(817) 820-2201
Toll-Free:
(800) 767-1117(800) 767-1117
Fax:
(817) 870-2487(817) 870-2487
1400 Civic Place
Ste 200
Southlake, TX 76092
US
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Randy Payne
Randy Payne is a Senior Private Banker serving Morgan Stanley Wealth Management offices in the Dallas/Fort Worth Market.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
NMLS#: 1214288
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Joel Dale Travis, MBA, MSF 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.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
7Alternative 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
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
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
7Alternative 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.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
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)
