OUR MISSION STATEMENT
Excellence in family wealth planning for your family’s unique goals
Excellence in family wealth planning for your family’s unique goals
As your trusted advisors, The Sarran Zaring Group at Morgan Stanley delivers personalized financial guidance to clients. Understanding that each client we advise has a unique set of needs and desires, our group works closely with them to develop a plan to assure confidence in a successful financial future – by managing risk, addressing goals, and preserving wealth for future generations. We combine personal attention and professional focus with the intellectual capital and resources of a global financial services institution. We think of ourselves as your advisors in a lifelong journey of achieving financial sustainability.
Bill has more than 40 years of investment industry experience, including past positions at the supervisory management level. He focuses on managing portfolios for individuals and families. Bill graduated from Miami University in Oxford, Ohio with a BS in Finance and earned the Certified Portfolio Manager designation from Columbia University. He is a member of the Portfolio Management Institute and the Academy of Certified Portfolio Managers. In 2014, the Financial Times recognized Bill as one of America's Top 400 Financial Advisors.
Over the years, Bill has and does serve on the Boards of numerous non-profit organizations. Bill lives in Cincinnati, Ohio with his wife, Janet. They are blessed to have two daughters and four grandchildren. He enjoys time with his family, sports and travel.
*The Financial Times Top 400 Financial Advisors is an independent listing produced annually by the Financial Times (March, 2017). The FT 400 is based on data gathered from advisors, broker-dealer home offices, regulatory disclosures and the FT's research. The listing reflects each advisor's status in six primary areas: assets under management, asset growth, compliance record, experience and online accessibility. The award does not evaluate the quality of services provided to clients. The rating may not be representative of any one client's experience and is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to The Financial Times in exchange for the rating.
BM/Supervisor; Securities Agent: AR, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, PA, SC, TN, TX, UT, VA, WI; General Securites Principal; General Securities Representative; Investment Advisor Representative
Lockwood began his career as an Advisor in 2010. He is a Certified Financial Planner™ who counsels individuals and families in the areas of estate planning, charitable giving, tax planning, and investment allocation. Lockwood has specialized knowledge in retirement planning, which he uses to prepare an individualized plan encompassing all facets of a client's personal and financial goals. Prior to joining Morgan Stanley, Lockwood worked in his family's homebuilding business. He received his Finance degree from the University of Denver. He is involved with Cincinnati Children's Hospital through their Champions Program and various fundraising activities. Lockwood lives in Mt. Lookout, Ohio with his wife, Lisa, and their two daughters. He enjoys family activities, golf, and volunteering through his church.
*Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account
Securities Agent: AR, AZ, CA, CO, CT, DC, FL, GA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NJ, NV, NY, OH, PA, SC, TN, TX, UT, VA, WI; General Securities Representative; Investment Advisor Representative
Melonie is a Financial Planning Associate with more than 12 years of financial industry experience. Prior to joining Morgan Stanley, Melonie worked in the banking industry. Melonie graduated from Northern Kentucky University with a degree in Finance and is series 7, 66 and insurance licensed. She actively supports several non-profit organizations and charities. Melonie lives in Cincinnati OH with her husband Matt and son Luke. She enjoys traveling to places she has never been and spending time with her family and friends.
On the Markets
Creating customized financial strategies for the challenges that today's families face.
Working closely with you to guide your wealth and investments through the most challenging market cycles.
Working with you to understand your life goals and develop a truly personalized wealth strategy. Today and for the years to come.
Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.
Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.
Discover a more rewarding way to manage your everyday finances. Access benefits, savings, and enhanced services from your Morgan Stanley Financial Advisor.
OneView organizes all of your financial data in one location, regardless of where your accounts are held, giving you a comprehensive view of your finances.
With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Providing clients access to sustainable investing products and strategies while also pioneering solutions to our global challenges.
This unique program offers qualifying clients a compelling collection of special offers and experiences, Morgan Stanley insights, and philanthropic ideas.
This 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: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
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*Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC
* Morgan 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 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
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
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