My Story and Services

As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Securities Agent: TX, CA, UT, SC, PA, OR, NY, NV, NM, NH, NC, MT, MA, ID, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 827772
CA Insurance License #: 0H65989
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Biography

Karen Harootenian is a helpful resource to each of her clients. They rely on her for financial advice and guidance in their pursuit of personal, financial and professional success.

Karen started her career earning her CPA (Certified Public Accountant)*(now non-practicing) license working with a vast number of businesses in the Bay Area. She continued her career working in various financial roles in the high-tech industry reviewing business entities throughout the U.S. and Worldwide. She has utilized her broad experience as an independent consultant for individuals and businesses. Karen started in the Financial Services industry in order to further meet the needs of her clients.

Karen earned her B.S. degree from the Haas School of Business at the University of California, Berkeley.

Karen was raised in San Francisco, CA. She now lives in Danville with her older daughter who has recently graduated from USC and is starting her career in the Bay Area. Her younger daughter is currently attending University of Oregon in Eugene.

Karen has focused her practice on those looking to consolidate their investments and get a better understanding of what they own and how it can best provide for their future. Women going through divorce and issues affecting everyone in losing a spouse or parent are particularly addressed.

    Working Together

    I believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. I follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:

    •Develop a thorough understanding of your financial goals and objectives
    •Review and analyze your current financial situation
    •Identify and tailor solutions that can help you meet your individual needs
    •Implement your customized strategy, including personalized services and
    benefits
    •Review your strategy, meeting periodically to discuss your goals and needs

    Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:

    •PERSONAL
    Highly individualized and committed to helping you achieve financial success
    •FLEXIBLE
    Responsive to changes in your life and in your priorities over time
    •COMPREHENSIVE
    Covering a broad array of investment products and services, with preferred
    benefits tied to your valued status with us

      Financial Solutions

      Through Morgan Stanley, my clients have access to a broad range of financial solutions. These solutions may include both the firm's product and service offerings, as well as those from third-party providers like insurance companies and mutual fund families. As your Financial Advisor, I will work with you to identify appropriate investments that are specific to your individual needs and circumstances. Please contact me to learn more about my areas of focus.

      INVESTMENTS, CASH MANAGEMENT AND LENDING
      I offer an array of solutions for both your near-term priorities and long-term objectives.
      •529 Plans
      •Cash Management Services
      •Credit and Lending Services
      •Equities
      •Fixed Income
      •Mutual Funds

      MANAGED ACCOUNTS AND ADVISORY SOLUTIONS
      With our Managed Accounts and Advisory Solutions, we will work with you to develop and monitor an individual portfolio that is tailored to your personal objectives. Our solutions provide customized portfolio construction and asset allocation, as well as professional portfolio management. You can select from a wide range of programs--each with their own unique features, and all based on the firm's consultative approach to investing. •Financial Advisor- and Client-Directed Programs
      •Separately Managed Account Programs
      •Unified Managed Account Program

      PERSONAL RETIREMENT PLANNING
      I can work with you to identify your individual retirement needs and create an action plan for achieving the retirement lifestyle you imagine. •Annuities
      •IRA Rollovers
      •Roth Conversions
      •Traditional, Roth, Inherited IRAs

      PLANNING
      Careful planning can be crucial to nearly any financial goal. Whether you want to comfortably retire, save for your children or grandchildren's college, or maximize the legacy you can leave your heirs, I can assist you with reviewing your situation and help determine appropriate strategies. My planning services include:
      •Education Planning
      •Estate Planning
      •Financial Planning and Financial Goal Analysis
      •Life Insurance
      •Long Term Care Insurance
      •Personal Trust
      •Retirement Planning

      Client Service Team

      • Shonte Asoau, Client Service Associate
        shonte.asoau@morganstanley.com
        925-930-3812

      Location

      1333 N California Blvd
      Suite 133
      Walnut Creek, CA 94596
      US
      Direct:
      (925) 746-2901(925) 746-2901
      Toll-Free:
      (800) 949-5199(800) 949-5199
      Fax:
      (925) 933-7715(925) 933-7715
      Investment and Market Perspectives

      On the Markets

      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
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      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
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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
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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
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
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      Ready to start a conversation? Contact Karen Harootenian today.
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      The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.


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