Julie Kandel-Pogue
Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(850) 470-8018(850) 470-8018
Industry Award WinnerMy Mission Statement
Comprehensive wealth planning strategies for your life and legacy
About Julie
Julie and her team's process begins with fully understanding your vision, your values and your unique situation before she develops a financial plan and strategy that helps you achieve your goals. Our team believes that in order to manage your investment portfolio and wealth, we have to truly know your specific financial circumstances, develop a comprehensive plan and implement strategies that you can follow with confidence over the long term.
But that’s just the beginning. Julie will regularly review and update your plan to reflect changes in your life and new priorities and aspirations that you have. As your life unfolds and your goals transform, your plan will change. Julie and her team will work with you to keep your plan on pace as the market changes. Through Morgan Stanley, we have access to a full spectrum of financial solutions designed to help our clients accomplish their goals. Julie feels that your investments should mirror your personal values and views of the world.
Our team has a service model commitment designed to help their clients ensure that nothing is overlooked and every concern is addressed. Julie and her team respond promptly to their client’s needs, runs a financial plan for every client and builds solid relationships to serve our clients better.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at http://www.morganstanley.com/ourcommitment/. We believe that your investments and financial plan should align with your short and long term goals
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
But that’s just the beginning. Julie will regularly review and update your plan to reflect changes in your life and new priorities and aspirations that you have. As your life unfolds and your goals transform, your plan will change. Julie and her team will work with you to keep your plan on pace as the market changes. Through Morgan Stanley, we have access to a full spectrum of financial solutions designed to help our clients accomplish their goals. Julie feels that your investments should mirror your personal values and views of the world.
Our team has a service model commitment designed to help their clients ensure that nothing is overlooked and every concern is addressed. Julie and her team respond promptly to their client’s needs, runs a financial plan for every client and builds solid relationships to serve our clients better.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at http://www.morganstanley.com/ourcommitment/. We believe that your investments and financial plan should align with your short and long term goals
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Securities Agent: LA, DC, WV, WI, KY, OR, NM, GA, ND, AR, UT, NV, WA, CA, NC, CO, VA, TN, AL, TX, NY, MA, IN, ID, AK, PA, SD, OH, MS, MI, MD, IL, FL, AZ, SC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 641876
AR Insurance License #: 19282970
NMLS#: 641876
AR Insurance License #: 19282970
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Julie's Bio
Julie has spent the last thirty one years in the Financial Services & Wealth Management Industry. Julie’s passion is helping her clients by providing a personalized and customized approach to the Wealth Management process with customer service always at the forefront. Her approach is to fully define and understand what her clients’ short and long term goals, aspirations, risk tolerance and other considerations are and to develop a plan customized to meet those needs. Julie’s background in the financial services industry allows her to help her clients with all aspects of their life. Her focus is Financial Planning, Retirement Planning, Investment and liability Management.
Julie began her career at Barnett Bank in 1994; through various mergers, Barnett Bank became Bank of America where they acquired Merrill Lynch. She was Vice President, Wealth Management Banking Advisor and previously Vice President, Premier Client Manager and Branch Manager. Julie made the decision in 2016 to join Morgan Stanley and is now part of The Palafox Group team which is a multi-generational diverse group of financial advisors.
She is active in her community including serving as Board Member & Secretary for the Pensacola Jewish Federation. Julie is married to Douglas Pogue who retired from the United States Air Force and together they have five children and has two Boston Terrier’s and one Shih Tzu. She enjoys spending time with her husband, children and friends and enjoys being outdoors, traveling and college football.
Julie began her career at Barnett Bank in 1994; through various mergers, Barnett Bank became Bank of America where they acquired Merrill Lynch. She was Vice President, Wealth Management Banking Advisor and previously Vice President, Premier Client Manager and Branch Manager. Julie made the decision in 2016 to join Morgan Stanley and is now part of The Palafox Group team which is a multi-generational diverse group of financial advisors.
She is active in her community including serving as Board Member & Secretary for the Pensacola Jewish Federation. Julie is married to Douglas Pogue who retired from the United States Air Force and together they have five children and has two Boston Terrier’s and one Shih Tzu. She enjoys spending time with her husband, children and friends and enjoys being outdoors, traveling and college football.
Planning
Women and Wealth
Women and Wealth is an important focal point for Julie’s practice. Women make up a large portion of the U.S. professional workplace and face unique financial challenges. The many roles women play – business owner, mother, sister – influence the many financial obligations they have for themselves and their families. There are life changing events that impact women like divorce, widowhood, being a family caregiver, wealth and other unforeseen events. It’s important to have a trusted adviser to help them get through both a difficult transition or an exciting change in their life.
It’s just as important to have an integrated financial plan in place to help guide them through all the different life events they might have. Julie will not only work with her clients to understand their goals, concerns and needs but will help them anticipate and plan for life changes that may occur. The relationship with her clients expands to offer patience, financial guidance and help empower her clients to create the future they envision so they can make informed and educated financial decisions.
It’s just as important to have an integrated financial plan in place to help guide them through all the different life events they might have. Julie will not only work with her clients to understand their goals, concerns and needs but will help them anticipate and plan for life changes that may occur. The relationship with her clients expands to offer patience, financial guidance and help empower her clients to create the future they envision so they can make informed and educated financial decisions.
Location
850 S Palafox St.
Ste 200
Pensacola, FL 32502
US
Direct:
(850) 470-8018(850) 470-8018
Awards and Recognition
Forbes America's Top Wealth Management Teams
2024-2026 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Wealth Management
Global Investment Office
Portfolio Insights
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact Julie Kandel-Pogue today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
