Tom Withers
Registered Sales Associate
Phone:
(801) 947-3044(801) 947-3044
Tracy Duckworth
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(801) 733-2734(801) 733-2734
Toll-Free:
(800) 925-0927(800) 925-0927
My Mission Statement
We provide custom service and plans to wealthy individuals in order to meet their personal and financial goals with confidence.
My Story and Services
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
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process
As your dedicated wealth management financial advisor, my role is to tailor a personalized financial strategy which fits your unique, individual needs. In my experience working with clients, I have developed an step by step approach to service:
Discovery
We begin with an in depth discussion to understand what is important to you, your family and your legacy. I will then ask a host of qualitative and quantitative questions and will request supporting documentation to get a complete picture of your financial situation.
Strategize
After review of the information collected, I will prepare a comprehensive financial plan and will include recommendations and key next action steps.
Implement
With your approval, we will begin to implement the plan. This often encompasses a broad range of strategies from investments and lending to retirement and estate planning. I will work with you to establish timelines and checklists, in addition to providing ongoing updates to make sure you are on track with your goals.
Track Progress
Finally, I will constantly monitor your assets and analyze your investment performance and financial plan seeking to ensure your goals are being met. In order to stay well informed of any changes in your circumstances, I will keep a high level of communication with you and make sure your concerns and requests are always addressed.
Client Resources
Timely market commentary, thought leadership and portfolio ideas to help guide your investment decisions.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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.
Thoughts on The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
5 Steps to a More Tax-Efficient Portfolio
Discover ways to potentially increase your after-tax investment earnings.
Modern Wealth Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Morgan Stanley Offers
At Morgan Stanley, our mission is to deliver high-quality service with a wide array of investment solutions to help you achieve and maintain your financial goals.
We are committed to helping clients like you manage your wealth with personalized investment and financial strategies, while providing you with the tools you need to navigate market volatility
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Location
6510 S Millrock Drive
Ste 100
Holladay, UT 84121
US
Direct:
(801) 733-2734(801) 733-2734
Toll-Free:
(800) 925-0927(800) 925-0927
Fax:
(801) 733-2750(801) 733-2750
6510 South Millrock Drive
Suite 100
Holladay, UT 84117
US
Direct:
(801) 733-2734(801) 733-2734
Meet My Team
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
Scott Knudsen
Senior Private Banker
About Scott Knudsen
Scott Knudsen is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Utah, and Wyoming.
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.
Scott began his career in financial services in 2001 and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, Scott enjoys hiking, mountain biking, skiing and camping.
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.
Scott began his career in financial services in 2001 and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, Scott enjoys hiking, mountain biking, skiing and camping.
NMLS#: 1006961
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Tracy Duckworth today.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)