Randy joined Morgan Stanley in 2004 as a financial advisor working with both individual and business clients. Prior to joining Morgan Stanley he was with Merchants Bank of Vermont, where he worked with business clients on asset and liability management. As a CERTIFIED FINANCIAL PLANNER, CFP, Randy works with individual clients on financial planning strategies, investment management and wealth planning. Randy also focuses on healthcare and education 403(b) and 457(b) retirement plans as well as 401(k) and other retirement plans for corporate entities. He received his B.S. degree from Purdue University and his Masters degree in Administration from Georgia Southwestern State University. 