My Story

I strongly believe that every person has a right to be financially educated and I am passionate about engaging people in regards to their financial well-being

I work with people who have arrived at a certain level of financial security in their life. They are well situated, but are spending too much time caring for the assets they now have. Wealth tends to bring complexity. One of my specialties is simplifying and streamlining complex financial matters for you. I have gone the extra mile to earn some of the industry’s most advanced designations, which gives me many more tools with which to address your unique issues.

I received my bachelor of science degree from the University of Missouri-Columbia’s College of Education. That passion for teaching has continued to serve me and my clients throughout my successful career as a Financial Advisor. I often speak to groups about a myriad of financial topics: Retirement, funding for children and grandchildren’s education, educating the next generation about financial values and ensuring that the money you leave behind will accomplish your wishes. I help you hone in on the purposes of your money – and then we design a custom plan to meet those objectives. The plan is totally tailored to you – not because of your age or gender – but because of your unique values and the goals you want to accomplish with your money.
Services Include
  • Wealth Management1
  • Financial Planning2
  • Asset Management3
  • Retirement Planning4
  • Planning for Education Funding5
  • Cash Management6
  • 401(k) Rollovers
  • Planning for Individuals with Special Needs7
  • Municipal Bonds8
  • Certificates of Deposit9
  • Life Insurance10
  • Executive Financial Services11
  • Long Term Care Insurance12
  • Annuities13
Securities Agent: TX, GA, WI, VA, TN, SC, OR, OH, NY, NJ, NC, MO, MI, MD, IL, FL, CT, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1279347
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Credentials matter. In the financial services industry, advanced designations demonstrate a deep level of knowledge, a commitment to best practices, and years of practical experience applying this knowledge on behalf of clients. I am proud to have earned the following designations and put them to good use on your behalf.

CFP® (CERTIFIED FINANCIAL PLANNER™). The rigorous accreditation process requires CFP® practitioners to act in their clients’ best interests, using in-depth knowledge of the financial planning process, tax planning, retirement planning, and estate planning strategies.


CRPS® (Chartered Retirement Plans SpecialistSM). This premier retirement plan designation indicates mastery in designing, installing, and maintaining company retirement plans.


Family Wealth Advisor. This designation indicates knowledge of estate planning strategies from the family perspective, families and philanthropy, and family enterprises, as well as demonstrated ability to have effective conversations that help families understand and transition wealth from one generation to another. In addition, it allows our clients unparalleled access to Morgan Stanley’s exclusive wealth advisory services and investment opportunities reserved for the more substantial and sophisticated high net worth and institutional clients.


AWARDS:

•Master's Club
Morgan Stanley*

•Five Star Wealth Manager - 2012, 2013, 2014, 2015, 2016, 2017, 2018
Best in Client Satisfaction

•Chairman's Council
Smith Barney

•Century Council
Smith Barney

•President's Council
Smith Barney
    As your Financial Advisor, I want to make sure that if you are working at the age of 62, it’s because you want to, not because you have to. The plan we create together will help you to retire at your own discretion, rather than someone else’s.

    I am uniquely qualified to help individuals and companies with their retirement plans. As a CERTIFIED FINANCIAL PLANNER, my role is to help you navigate through the three distinct stages of retirement in a way that makes sense for you:

    1. Growing your wealth to fund your future goals

    2. Ensuring a smooth transition to retirement

    3. Maintaining your chosen lifestyle throughout your life

     

    I am also credentialed to help companies design, install and maintain their retirement plans. As a Chartered Retirement Plans SpecialistSM, I hold the nation’s premier credential focusing on retirement plan administration. I am skilled at analyzing laws, rules and regulations and understanding how they apply to my corporate retirement clients’ 401(k) and deferred compensation plans.

    Successful retirement planning takes focus and planning. The challenge we all face with retirement is having enough resources so that our lives in retirement years will not be diminished.
      Planning for your “what ifs” is one of the most important things we can do together. As someone who’s seen firsthand the myriad challenges clients encounter, I understand the vital importance of strategizing for the times when life pitches a curveball at us. 

      Although “what if” planning can seem daunting, in actuality it provides you with a sense of relief. There is a plan in place for when that nighttime worry turns into a reality.  Together, we’ll talk about your concerns and plan for them so they don’t knock you off course. Some of the situations that my clients have planned for include:

      •What if my child can’t make it on their own?

      •What if I become the caregiver for my parents?

      •What if I lose a spouse early in life?

      •What if I or a family member has significant health challenges?

      •What if I need long-term care?

      •What if I have to settle an estate where there’s no will?

      •What if I or my spouse lose a job?

       
      Without a plan in place, the impact of a single one of these scenarios can be devastating. And, “what if” planning really works. A recent review of results from 94 studies that used this technique found significantly higher success rates for just about every goal you can think of.1

      My deep knowledge and personal experience with many “what ifs” can help you plan for the potential impact without sacrificing your goals.

        Location

        5565 Glenridge Conn
        Suite 1900
        Atlanta, GA 30342
        US
        Direct:
        (404) 459-3812(404) 459-3812
        Toll-Free:
        (800) 825-7171(800) 825-7171
        Fax:
        (404) 935-9797(404) 935-9797

        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.

        Mosaic

        Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
        Make Your Words Memorable

        Make Your Words Memorable

        Master public speaking with savvy tips from the pros.

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        Morgan Stanley and Justin Rose: A Winning Team

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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.
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        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 Kristen Fricks-Roman today.
        Market Information Delayed 20 Minutes
        Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

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        3Morgan 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.

        4Morgan 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.

        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.

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        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.

        8Income 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.

        9CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

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        11Tax 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.

        12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

        13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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