Helen Y Curlow (헬렌 연희 컬로), CFP®
My Mission Statement
My Story and Services
As Morgan Stanley Financial Advisor, my first priority is to understand you and your goals. Whether it is to plan for a comfortable retirement, helping to ensure that you do not outlive your money, pass on a business or fund your children's education, I am dedicated to understanding your unique "whys" and coming up with strategies to help you accomplish your goals.
I have over 19 years of experience in the financial services industry in various roles, the most recent being a financial advisor at Edward Jones. Before that, I was a wealth advisor in the Bank of Hawaii trust department. During my time at Bank of Hawaii, I obtained my CFP® certification. Prior to that, I worked as a financial analyst at Ayco, a Goldman Sachs Company in Irvine, CA, where I was on a team that helped executives, CEOs and high net worth clients manage their wealth. I am also fluent in Korean.
I would like to learn about what's important to you and work with you to help you to make informed, sound decisions. Please contact me to discuss your situation and how I can help.
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- AnnuitiesFootnote4
- Life InsuranceFootnote5
- Long-term Care InsuranceFootnote6
- Cash ManagementFootnote7
- Planning for Education FundingFootnote8
- UGMA/UTMAFootnote9
- 529 PlansFootnote10
- Estate Planning StrategiesFootnote11
- Trust ServicesFootnote12
- Planning for Individuals with Special Needs
- Business Succession PlanningFootnote13
- Sustainable InvestingFootnote14
- Executive Financial ServicesFootnote15
- Stock Option PlansFootnote16
PURSUING YOUR GOALS, TOGETHER
My clients are much more than a portfolio of assets – they are families with active lives, who seek an experienced advisor who will provide them with thorough, unbiased, and carefully considered guidance on a full range of financial topics. When you work with me, you will be treated with respect, care, confidentiality, and given an unwavering commitment to you and your family.
While my clients each have unique personal and professional circumstances, they all have one thing in common, achieving a financial goal to secure their family's financial future and pursue their personal ambitions.
Understanding you, your family and your finances is my key priority. I know that life can be complicated, full of decisions and the importance of protecting all that you've built. I can help create a personalized plan to meet your goals at every stage of your life.
You've been in your industry for decades and have finally made it to your dream role. Everyone defines success differently, but I have worked with successful executives across a wide range of industries. My solutions are centered around providing liquidity, helping you manage your carry or restricted stock, planning for and mitigating the associated tax consequences, and providing you with the confidence to focus on your work and your family.
Whether you are an engineer, doctor, or any other busy professional, I know that you value your time, and I want to help you manage it efficiently. By creating a roadmap to think through your life goals and paths, I'll help you avoid obstacles and potentially achieve your dreams more quickly. My goal is to help you enjoy some well-deserved downtime and pursue your passions, rather than worrying about managing finances.
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
I'm focused on helping empower women to think big, achieve financial success, navigate unique financial situations, and create an impact in their respective fields. Through a thoughtful planning process, I work with women to provide tailored wealth management strategies that can help allow them to take on unforeseen challenges life may bring with confidence.
As a second generation Korean American and being fluent in Korean, I help other Korean Americans who seek professional guidance to develop unique and effective solutions. Combining my investment knowledge with the resources and intellectual capital of Morgan Stanley, I deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
SOPHISTICATED WEALTH MANAGEMENT
I leverage sophisticated thinking and innovative tactics to help my clients reach their goals. While the strategies and solutions I provide are broad in scope, my approach is tailored to specific needs. I can deliver the personalized attention you expect, as I build a structured plan focused on achieving your financial and legacy goals. Here is a brief overview of the solutions I offer:
I will work with you to provide retirement plan solutions aligned with your organization's strategic goals. I will focus on your plan and investment management, and you'll have access to the necessary advice and tools needed to work toward your retirement program's objectives.
As the demands of your family grow and evolve, you are likely to need an advisor who has expanded capabilities and can offer wrap-around holistic solutions for you and your family. See below some of the capabilities we offer here at Morgan Stanley.
I am proud of and thankful for the women that I get to work with every day. Women are a powerful economic force, controlling nearly $11 trillion in assets in the U.S. They also represent almost half of the workforce. Women also face unique financial challenges, and the many roles they play influence the financial obligations they have for themselves and their families.
Helping to understand your equity compensation so you can focus on what matters: moving your company forward.
Particularly in the case of an ultra-high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
YOUR GUIDE TO EFFICIENT PLANNING
My goal is to create an effective plan for my clients that not only accounts for all the nuances of their busy lives but also, minimizes their taxes so they have more saved for retirement. Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. If you'd like to learn more, schedule a conversation today.
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg.
Whether you want to donate to charity or invest in a loved-one's future, there are tax‐aware ways to make your giving go further.
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
WHY MORGAN STANLEY
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives me the means to support your goals at every stage in your life.
Our clients benefit from access to the intellectual capital of our Global Investment Committee, a group of leading market thinkers uniquely dedicated to providing high-quality, industry-leading investment ideas to Wealth Management clients.
Whether you're a global corporation or a growing start-up, we understand your needs and offer tailored solutions and technology to help meet them.
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. I can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
For many, equity in their company is an important piece of their full financial picture and since everyone's situation is unique, I can help create a plan that caters specifically to your needs and goals.
I recognize that clients and their families have unique needs that require dedicated experience and capabilities. My goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Your security is my top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do. The Firm is actively supporting a multitude of layers of security. Read more about the cybersecurity resources used by the firm below.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
12Morgan 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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
15Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
16Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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