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The Radcliff-Schatzman Group

OUR MISSION STATEMENT

Experience, intellectual capital and dedicated personal service to help you meet your life goals

Our Story and Services

Our Story

As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals.  By working with the Radcliff-Schatzman Group, you’re not just getting a financial advisor.  You’re gaining access to 4 financial professionals with comprehensive experience and educational backgrounds.  Our team member designations include:

  • Family Wealth Director
  • Financial Planning Specialist
  • Corporate Retirement Director
  • Alternative Investments Director
  • Investment Management Consultant
  • Certified Portfolio Manager


Our consultative approach leads us to fully understand your vision, your preferences, and your unique circumstances before we formulate a wealth strategy that helps you achieve your goals.  We go well beyond just handling your investments – we provide advice and assistance to help you make smarter financial choices. 

Our approach allows us to design an investment strategy that you can follow with confidence over the long term.  We approach your goals with the same energy and urgency that you do.

But that’s just the beginning.  Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. 

We are proud of our team; who together has been representing high net worth private clients and institutions for over 25 years. We reach out monthly to ensure that nothing is overlooked and every concern is addressed.  We respond promptly to our client’s needs, run a financial plan for every client, and excel in building strategic relationships to better serve our clients. We offer a fully integrated, unified effort in everything we do, uniting our individual skills and personalities together in order to bring you exceptional service and a disciplined sense of focus on what matters most – your progress towards your goals.


Services Include

  • Wealth Management
  • Financial Planning
  • Retirement Planning
  • Corporate Retirement Plans
  • Alternative Investments
  • 401(k) Rollovers
  • Lending Products
  • Executive Financial Services
  • Asset Management


Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Alternative Investments

Alternative Investments

Morgan Stanley is global leader in alternative investments, offering a comprehensive suite of products that encompasses both proprietary and third-party managers, including: Single Manager Hedge Funds, Funds of Hedge Funds, Managed Funds, Real Estate, Private Equity and Exchange Funds. 

Hutch is our designated Alternative Investment Director, a specialized program developed for advisors experienced in Alternative Investments.  This accolade has afforded the Radcliff-Schatzman team access to  expansive resources associated with this designation, and we have significantly incorporated these products into our practice.  

Incorporating alternative investments into a traditional portfolio may help you to reduce overall volatility while increasing portfolio diversification, all with a typically lower correlation to the market movements of traditional investments such as stocks and bonds.  We are very well-versed in these products, and evaluate and integrate them regularly into our clients’ portfolios. Learn which type of investment is best for you:  Ask the Radcliff-Schatzman team about your options with alternative investments to see if they fit within your overall investment strategy. 




Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are suitable only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.

Financial Planning

Financial Planning

Everything starts with a plan.  To be truly effective, your plan must reflect the totality of your personal and financial life.  As you move through the stages of life, you face a succession of financial challenges.  Some challenges, like the need to manage the relationship between investment risk and return, start early and never go away.  Others, like estate planning, tax planning, business successions planning, and capital gains planning, come later.  Financial planning may be the foundation of your financial picture, but it’s only one part of that picture. Our team’s comprehensive wealth planning approach takes all of your changes and challenges into consideration. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. 

We will support you and your strategy by leveraging the resources, intellectual capital, and
sophisticated institutional capabilities of Morgan Stanley

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Discover

Start with a conversation to uncover your goals and understand your entire financial picture.
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Advise

Work with you to assess various scenarios and advise you on the strategies to help meet those goals.
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Implement

Look across multiple accounts/products to identify the combination to help meet spending needs and invest tax-efficiently
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Track Progress*

Periodic review of your financial situation with the ability to make adjustments according to your needs, life events and changing market conditions*


*Available in the future.


Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanley.com/ourcommitment/ or consult with your Financial Advisor to understand these differences. 


Family Wealth Management

Family Wealth Management

Families can be incredibly hard to understand at times.  Yet they are the backbone of our society and economy.  A recent report from Morgan Stanley Private Wealth Management tells us that a well-organized, democratic decision-making family governance is proving to be a catalyst for better family relationships, and boost family harmony.  As your family grows and your wealth increases, you may face a broader and more complex set of wealth management challenges.  As the demands of your family grow and evolve, we are here to help you maximize the value of your human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled, and engaged lives. 

We understand, from direct experience, that families who build enduring legacies are not only successful at transferring capital from one generation to the next, but they are equally successful at transferring values and trust.  Based on an in-depth understanding of your complex, multigenerational challenges, we can create a customized plan to help you realize your family’s unique vision. 

Having Self as your Family Wealth Director, a designation held by less than 3% 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. 

  • Tax, Trust & Estate Planning 
  • Family Governance & Dynamics 
  • Philanthropy Management
  • Lifestyle Advisory
  • Educational Programs
  • Access to Cash Management & Lending Products
  • Private Health Care Advisory


The Family Wealth Director Approach


Corporate Retirement

Corporate Retirement



Managing a comprehensive 401(k) retirement plan for your organization takes a unique set of skills.  As a fiduciary, you are responsible for selecting and monitoring service providers and investments, while also being committed to understanding and implementing ERISA regulations. Creating fresh strategies to encourage your employees to take advantage of the program can be overwhelming.  That’s where we come in. 

As Corporate Retirement Director, Hutch is among the less than 2% of more Morgan Stanley financial advisors to hold this designation.  This position allows our team access to first-class resources that are designed specifically to address the challenges and special needs of you and your employees in a collaborative, professional, and educational manner – one that places your goals at the center of our relationship.  We know what it takes to achieve results and drive outcomes by fully leveraging valuable resources to support your vision.  We are proud to included our team in this esteemed group of professionals.

We will help you navigate the fiduciary landscape by delivering customized retirement plan solutions – including Defined Benefit, 401(k), Profit Sharing, Cash Balance, Qualified and Non-Qualified Plans – to help meet your organization’s unique objective.

Additionally, our team provides access to 3(38) fiduciary services, which can help retirement plan sponsors and trustees with the management of their fiduciary responsibility and risk. In selecting an ERISA 3(38) investment manager, the plan sponsor is responsible for the prudent selection of a fiduciary.  Failure to be judicious in this process may result in unwanted liability, and we will help you ask the right questions to determine how to best address your needs.


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

Meet The Radcliff-Schatzman Group

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.

  • Asset management
  • Traditional investments
  • Alternative Investments
  • Impact Investing

Family

Creating customized financial strategies for the challenges that today's families face.

  • Estate Planning
  • 529 Plans / Education Planning
  • Long Term Care Insurance
  • Trust Services and Accounting

Business Planning

Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Corporate Pension Funds

Retirement

Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Annuities

Philanthropy

Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing

Ready to start a conversation? Contact The Radcliff-Schatzman Group today.

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