Everyone has a story to tell, and each one is different.  It's my desire to hear your story.  Woven throughout your story are the hallmarks that make each one unique.  It recounts the values, principles, sacrifices, successes and failures that provide a distinct framework to the story of your family or business.I grew up in East Brainerd, finishing at Baylor in 1979 and completing my college studies at UT-Chattanooga in 1983.  I spent the next 33 years in Alabama, residing in Montgomery for 31 of those years.  I entered the financial services industry in 1985 with a regional investment banking firm, spending nine years focusing on municipal finance and 27 years with Merrill Lynch. In July 2021, I joined Morgan Stanley in Chattanooga.During my time in Montgomery, I served ten seasons a chapel leader in the Tampa Bay Rays organization, volunteered as a state-champion high school softball coach with Alabama Christian Academy and an award-winning freelance sports writer for The Montgomery Advertiser and USA Today affiliates covering University of Alabama football.  I also served a term as an Elmore County Commissioner and a group leader within Men's Bible Study Fellowship.In 2016, I had the opportunity to return to my roots in Chattanooga.  My wife, Brenda, and I built a home in Jefferson Heights on the Southside to become a part of the dynamic changes taking place in the community.  I attend Calvary Chapel, I publish stories about football in the south as a member of the Football Writer's Association of America and have served as the chapel leader for the Chattanooga Lookouts in the Cincinnati Reds organization.   We have been invigorated by the stories we've heard since returning home, while continuing to cherish the Alabama relationships we cultivated during our years there. It's exciting to be in Chattanooga where there are wonderful stories unfolding each day.  We want to hear your story, because every one of them is special.To learn more about my story please reach out to me at Paul.Payne@morganstanley.com or contact me at 423-752-4753.NMLS: # 510850