Welcome

Welcome
I work with high net-worth individuals, small business owners and retirees, to provide financial plans that help them attain their life goals. My consultative process relies on close collaboration with clients. It begins with an in-depth discussion of current finances and future objectives to address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.

My financial planning and investment management process is influenced by a strong background in Corporate Finance and Project Management. I spent more than 10 years in Supply Chain Operations Management for a Fortune 50 company, focusing on Budgeting, Capital expenditures, Environmental and Social Governance. Previously, I calculated Business Valuation and Lost Profit Analyses for Litigation as a Senior Consultant for a Big Five Accounting Firm.

I earned a Bachelor of Science in Commerce with a major in Economics from Santa Clara University. That was followed with a Master of Business Administration with a concentration in Finance from the University of Portland. Later I returned to Santa Clara University for the Executive Certificate in Financial Planning. I currently serve on the Board of Directors for The Santa Clara University Alumni Association and the Placer Theatre Ballet.

Rocklin, CA is my home where I live with my wife and three children. Outside of the office, I volunteer with Jesuit High School, St. Francis High School, and with the Boy Scouts of America -where I enjoy hiking, camping and conservation projects
Services Include
  • Corporate Bonds1
  • 401(k) Rollovers
  • Life Insurance2
  • Long Term Care Insurance3
  • Municipal Bonds4
  • Planning for Individuals with Special Needs5
  • Retirement Planning6
  • Sustainable Investing7
  • Trust Accounts8
  • 529 Plans9
  • Alternative Investments10
  • Annuities11
  • Corporate Retirement Plans12
  • Estate Planning Strategies13
  • Exchange Traded Funds14
  • Financial Planning15
  • UGMA/UTMA16
  • Wealth Management17
Securities Agent: CA, WA, VA, UT, TX, TN, OR, NY, NV, ME, MD, MA, LA, ID, GA, FL, DC, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1520230
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

My Four-Step Process will help you develop a long-term perspective about all your investments.

    Increasingly, individuals and institutions want to invest their money in a manner that is consistent with their beliefs and values. To help meet those needs, we have developed an investment approach designed to support social and environmental benefits without compromising performance potential. We start with a thoughtful dialogue to identify and understand our clients' distinct motivations and values. My 10+ year Corporate Social and Environmental Responsibility Supply Chain Operational experience and Morgan Stanley's Investing with Impact Platform provide a framework to implement customized values based investment portfolio solutions.

    Q: Is there one cookie cutter portfolio?

    A: No, each client is different. Your unique values are considered and applied.

    Q: Do clients need to sacrifice financial return potential in order to help achieve certain social and/or environmental returns?

    A: No, we aim to deliver financial return potential, while also seeking positive impact on the environment and society. No investment will be made without being evaluated for its financial integrity and return potential.

    Q: What are the difference between SRI, ESG and Impact Investing?

    A: SRI is an investment approach that seeks to consider both financial return and social good to bring about positive social impact. Generally, socially responsible investors are concerned with practices such as environmental, human rights, diversity and consumer protection. The broad areas of concern in SRI are sometimes focused into ESG (environment, social, governance). These ESG factors are considered to include both public equity and public debt investments.

    Morgan Stanley’s Investing with Impact concept is intentionally broad and aims to reflect the belief that all investors can build an portfolio that considers social and/or environmental issues in addition to financial performance potential.

    Security and Technology

    I am committed to remaining at the forefront of technology, providing you with tools and resources to help you both manage and protect your wealth. From cyber security and identity protection to mobile banking and online access, we understand that protecting your assets and personal information while having easy access to your money are both paramount to helping you achieve your wealth management goals.

    For more Information: 

    Client Service Team

    • Catherine Dickie - Client Service Associate
      Phone: (916) 984-3323
      Email: Catherine.Dickie@morganstanley.com

    Location

    2380 East Bidwell St
    Folsom, CA 95630
    US
    Direct:
    (916) 984-3335(916) 984-3335
    From My Desk

    Sample Public entity Impact Wquity Portfolio


    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
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    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
    Investing in Artificial Intelligence and Automation

    Investing in Artificial Intelligence and Automation

    AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

    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
    A Parent's Guide to Talking to Your Kids About Money

    A Parent's Guide to Talking to Your Kids About Money

    Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

    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
    Facing Financial Stress? Your Employer May Be Able to Help

    Facing Financial Stress? Your Employer May Be Able to Help

    Many of us face money worries. You may be able to get advice and education from an unexpected source.

    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
    Choosing an Environmental Charity

    Choosing an Environmental Charity

    There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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    Morgan Stanley and Justin Rose: A Winning Team

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    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Reserved | Living & Giving

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    Your Financial World. On the Go.

    Your Financial World. On the Go.

    With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
    Learn more about Your Financial World. On the Go.
    Access Morgan Stanley Online

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    Ready to start a conversation? Contact Kenneth Turner today.
    Market Information Delayed 20 Minutes
    1Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

    2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    4Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

    5Morgan 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.

    6Morgan 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.

    7The 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.

    8Morgan 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.

    9Investors 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.

    10Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

    11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    12Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

    13Morgan 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.

    14An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

    15Morgan 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.

    16Morgan 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.

    17Morgan 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.

    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 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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