Planning. Customization. Transparency.

It all starts with a plan.  We pride ourselves on understanding YOUR vision of YOUR future.  Only then can we design and implement a customized, holistic wealth strategy that will help you achieve your retirement, investment, and legacy goals. 

Your life is anything but cookie-cutter, so your investment strategy should be individualized to your unique situation.  Our clients do not fit into a preset model.  We take all your assets into consideration, regardless of where they are held, and create a customized allocation that provides, growth, income, capital preservation, and inflation protection.  And our transparency lets you know what you are paying; no hidden or indirect fees.

Your path with us starts by having a preliminary introduction.  This free, no-obligation meeting gives each of us the opportunity to determine if there is a natural fit.  We welcome the opportunity to be stewards of your wealth and make a difference in your life.
Services Include
  • Retirement Planning1
  • Trust Accounts2
  • 529 Plans3
  • Financial Planning4
  • Life Insurance5
  • Philanthropic Services
  • Professional Portfolio Management6
  • Wealth Management7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Location

7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Direct:
(618) 628-2257(618) 628-2257

Meet Kirchoff Owenby Group

About Me

Co-founder of the Kirchoff Owenby Group at Morgan Stanley, Ben co-manages over $520 million in client assets (as of 08/31/2017).  With a focus on custom discretionary portfolio management for high-net worth clients, Ben has acquired over 20 years of investment advising experience.  He is licensed in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65) and Life, Accident, and Health Insurance.
Ben focuses on helping clients manage risk in their financial lives.  His small-business background is vital in helping business owners focus on the big picture.  He is the current Chairman of the Southwestern Illinois College Foundation.
Ben is a native of Belleville, Illinois and currently resides in O’Fallon with his wife, Christine, and their two children.  A graduate of Regis University (BA), his hobbies include: tennis, collecting rare gemstones, and traveling.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities.  The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance.  There is no guarantee that this investment strategy will work under all market conditions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: TX, MO, IL, WI, WA, VA, UT, TN, SC, PA, OR, OK, OH, NY, NC, MS, MN, MI, MD, IN, IA, HI, GA, FL, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1295544

About Me

Co-founder of the Kirchoff Owenby Group at Morgan Stanley, Emmett co-manages over $520 million in client assets (as of 08/31/2017).  Since May of 1995 he has advocated for his clients, providing innovative advice and solutions to address their complex needs.  He is licensed in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65), Branch Management Supervisory (Series 9/10), and Life, Accident, and Health Insurance.
 He was also a former Assistant Branch Manager and a three-year board member and treasurer for Clayton Shaw Park (CSP) Swim Club.
Emmett spent the bulk of his childhood living around the world and currently resides in Denver, CO with his wife, Katie, and their two children.  He commutes back and forth to the St. Louis, MO office.  Emmett is a graduate of the University of Alabama (BA) and the University of Alabama, Birmingham (MBA).  He is a passionate triathlete having completed several full Ironman events.  Besides swimming, cycling, and running, he also enjoys skiing, reading, and coaching youth sports.

The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities.  The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance.  There is no guarantee that this investment strategy will work under all market conditions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: TX, MO, IL, CO, WI, VA, UT, TN, SC, PA, OH, NY, NJ, NC, MN, MI, MD, IN, HI, GA, FL, CA, AZ, AL; General Securities Representative; BM/Supervisor; Investment Advisor Representative
NMLS#: 1252988

About Me

Katie began her career as a trade wire operator in 1999 and by 2000 she became a Client Service Associate.  She joined the Kirchoff Owenby Group in 2011 bringing ten years of experience as a Senior Client Service Associate, Retirement Specialist, and CSA Coach.  She is licensed in General Securities (Series 7) and Investment and State (Series 66).
Katie is responsible for overseeing the group’s administrative and operational activities.  She develops and implements the best procedures to meet the logistical and administrative needs of clients and team members and is an expert in the firm’s operational systems.  She serves as the liaison between Financial Advisors, support staff, branch management and clients.
Born and raised in Spokane, Washington, Katie currently resides in Columbia, Illinois with her husband, Bud, and their daughter Rileigh.  She is active in her community, volunteering with nonprofit organization Songs 4 Soldiers. She also enjoys experimenting in the kitchen, taking pictures of her family, reading, and challenging herself with CrossFit.

About Me

Josh has 14 years of experience in the financial markets. He started his career at a commodities broker where he developed a passion for derivatives trading and risk management strategies. He used this experience to become the Derivatives Product Manager for a leading online brokerage firm. In this role, Josh sat on industry committees at the Chicago Board of Options Exchange (CBOE) and the Options Industry Council (OIC). As a recognized industry expert, his content has been published in national newsletters as well as on the websites of CBOE and OIC.

Josh received his MBA and BS in Finance from Missouri State University where he played for the university’s soccer team, was an executive leader of a fraternal organization, and participated in multiple campus business organizations. Josh continued his post degree education by obtaining his Certified Financial Planner (CFP®) and Charter Financial Analyst (CFA) designations. These organizations demand the highest level of professional conduct and require ongoing development programs to ensure members are continually ahead of industry trends and policies. These designations represent the leading credentials in the investment management field.

Josh joined the Kirchoff Owenby Group in 2017 with the goal of using his experience to more directly impacting the financial lives of his clients. 

He is licensed in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65) and Life, Accident, and Health Insurance.
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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

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
Financial Transition: A Guide for Women

Financial Transition: A Guide for Women

Here's how to take control of your finances if a death or divorce leaves you holding the reins.

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
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
A New Roadmap for Mission Alignment

A New Roadmap for Mission Alignment

Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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Consolidate Your Cash at a Competitive Rate

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Morgan Stanley and Justin Rose: A Winning Team

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Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
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Reserved | Living & Giving

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Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

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With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
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Access Morgan Stanley Online

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Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
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Ready to start a conversation? Contact Kirchoff Owenby Group today.
Market Information Delayed 20 Minutes
1Morgan 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.

2Morgan 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.

3Investors 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.

4Morgan 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.

5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

7Morgan 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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