Brad Morgan

I grew up in a family of P&G Engineers which led me naturally pursue Mechanical Engineering for both my Bachelors and Masters degrees. After college I started my career at Procter & Gamble, where I worked in roles across R&D and Engineering. However, my interest in investment management and financial planning led me to a career change in 2014, where I studied for my CFP® and began working as an investment advisor at a local registered investment advisor.

With my background at P&G, the vast majority of clients I work with are current or former P&G employees. Over the years, I have also developed a niche focus on business owners, specifically, those with complex multi generational legacy planning. I enjoy becoming part of the longer term planning and partnering with the families’ attorneys and accountants.

Working with the P&G clientele, I have a deep understanding of the P&G benefits package. This includes everything from stock option planning down to healthcare related decisions. For our P&G clients, distribution at retirement brings many opportunities using net unrealized appreciation of “preferred” stock. This is another expertise, but taking it a step further putting a plan in place for income generation over the retirement years in a tax efficient manner taking into account the various buckets of assets a retiree has.  

Strategies are always unique to the client, ranging from a philanthropic client who needs help with a charitable remainder trust or donor advised fund to a P&G client who needs help with distribution from their profit sharing plan. Concentrated stock is often seen with P&G retirees, and tax efficient diversification strategies using direct indexing in combination with exchange funds would be another example. Clients looking to maximize wealth transfer may find opportunities with GRATs attractive, and I am in a position to help bring light to all these various strategies and assist the client with the decision that makes sense for their family. 

Getting to know the client on a personal level, I have found makes for a much better professional relationship. It is important to me that every client feels like I am a phone call or text message away, be it on a Saturday morning or Wednesday afternoon. 

In my opinion, Savvy is the future of wealth management - The approach to investments is sophisticated and research-backed. The platform is designed with the client in mind. Transitioning from Mariner Wealth Advisors to Savvy, Brad was drawn by Savvy's innovative approach to wealth management, particularly in direct indexing. His focus remains on serving Procter & Gamble employees and retirees, offering tailored financial planning with a keen focus on tax optimization.

Neither Savvy Wealth nor Savvy Advisors compensates directly for testimonials provided by advisors. However, advisors may have an indirect financial incentive to provide testimonials.

Hosting quarterly events, I have the opportunity to not only get to know the client but their family. My favorite part of this job is having relationships that I would otherwise not have.