Kristin E. Carter
PWM Senior Registered Associate
Phone:
(410) 736-5582(410) 736-5582
Morgan Stanley Private Wealth Management
Sean Baker, CFP®, CEPA®
Private Wealth Advisor
Direct:
(410) 736-5583(410) 736-5583
Direct:
(410) 736-5583(410) 736-5583
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
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: IL, TX, TN, PA, NH, NE, MT, MI, GA, AL, WA, UT, RI, LA, DC, CO, ME, CT, VA, NV, WY, VT, NM, MA, FL, OK, NC, AZ, WV, SC, MN, KS, DE, WI, OR, CA, OH, MD, NY, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2478575
NMLS#: 2478575
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
THE SHIFTING WORKFORCE: HOW A CAREER BREAK CAN MEAN MORE THAN JUST TIME OFF
Did you know that almost 25% of caregivers are under the age of 35?1 As Millennials near the age of 40 and Gen Z’ers find themselves a couple years post-college, many are navigating the demands of both careers and caregiving. And in the process, they’re challenging career norms and redefining the rules on their own terms.
The behaviors and choices of Millennials are profoundly disrupting business and society alike. In Deloitte’s 2019 Millennials survey, they found that 49% would, if they had a choice, quit their current jobs in the next two years.2 This constitutes a major challenge for companies seeking a stable workforce, and a total shift in workforce mindset.
So, if almost half of all Millennials are willing to quit their full-time jobs, what are they considering instead?
According to the study, 84% of Millennials wouldn’t hesitate to jump into freelance or contract work. Those who would consider joining the gig economy cite the chance to earn more money (58%), work the hours they want (41%) or achieve a better work/life balance (37%).3
Many Millennials are taking things a step further, scrapping the idea of a traditional career altogether. Instead, they’re creating careers on their own terms. Examples include deferring a future in civil engineering for a life on the Alaskan frontier as a sled dog musher or retiring at age 38 because of extreme savings. This is part of a new trend called “Millennial burn-out,” a generational shift that has many people making life choices that prioritize fulfilling experiences and relationships over careers.4
With 40% of women taking a break from full-time employment at some point during their career,5 it looks like Millennial women are redefining what that break could mean. The long-term impact of this attitude shift is still unknown but will certainly be seen for decades to come, especially as the percentage of millennial caregivers continues to rise.
If you’re a caregiver, experiencing millennial burn-out and think an alternative career path might be for you, it’s important that you start thinking through your goals and priorities. And then talk with people you trust – like your spouse, family members and even a financial professional. Having a clear plan in place – that balances life, career and financial goals – can make all the difference. Just ask the woman that retired at 38 because of her frugal savings strategies.6
The behaviors and choices of Millennials are profoundly disrupting business and society alike. In Deloitte’s 2019 Millennials survey, they found that 49% would, if they had a choice, quit their current jobs in the next two years.2 This constitutes a major challenge for companies seeking a stable workforce, and a total shift in workforce mindset.
So, if almost half of all Millennials are willing to quit their full-time jobs, what are they considering instead?
According to the study, 84% of Millennials wouldn’t hesitate to jump into freelance or contract work. Those who would consider joining the gig economy cite the chance to earn more money (58%), work the hours they want (41%) or achieve a better work/life balance (37%).3
Many Millennials are taking things a step further, scrapping the idea of a traditional career altogether. Instead, they’re creating careers on their own terms. Examples include deferring a future in civil engineering for a life on the Alaskan frontier as a sled dog musher or retiring at age 38 because of extreme savings. This is part of a new trend called “Millennial burn-out,” a generational shift that has many people making life choices that prioritize fulfilling experiences and relationships over careers.4
With 40% of women taking a break from full-time employment at some point during their career,5 it looks like Millennial women are redefining what that break could mean. The long-term impact of this attitude shift is still unknown but will certainly be seen for decades to come, especially as the percentage of millennial caregivers continues to rise.
If you’re a caregiver, experiencing millennial burn-out and think an alternative career path might be for you, it’s important that you start thinking through your goals and priorities. And then talk with people you trust – like your spouse, family members and even a financial professional. Having a clear plan in place – that balances life, career and financial goals – can make all the difference. Just ask the woman that retired at 38 because of her frugal savings strategies.6
1 The Balance, Financial Planning Tips for the Sandwich Generation, https://www.thebalance.com/financial-planning-sandwich-generation-4150160
2 Deloitte, The Deloitte Global Millennial Survey 2019, https://www2.deloitte.com/us/en/insights/topics/talent/deloitte-millennial-survey.html
3 Deloitte, The Deloitte Global Millennial Survey 2019, https://www2.deloitte.com/us/en/insights/topics/talent/deloitte-millennial-survey.html
4 ABC News,Burned-out millennials are seeking alternative work lifestyles from career changes, living on the road, retiring early, https://abcnews.go.com/US/burned-millennials-seeking-alternative-work-lifestyles-career-living/story?id=61938694
5 Forbes, Are Returnships the Key to Relaunching Your Career? https://www.forbes.com/sites/jasonwingard/2019/02/13/are-returnships-the-key-to-relaunching-your-career/#5a6919253cdf
6 Women Back to Work, https://www.womenbacktowork.org/employers-learn-more
©2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 3010712-04/20 Exp. 4/21/21
Location
1201 Wills Street
Ste 700
Baltimore, MD 21231
US
Direct:
(410) 736-5583(410) 736-5583
1201 Wills Street
Suite 700
Baltimore, MD 21230
US
Direct:
(410) 736-5583(410) 736-5583
Meet My Team
About Kristin E. Carter
Kristin Carter joined Morgan Stanley in November 2020 as a Senior Registered Associate. Kristin assists with operational and administrative functions for clients and team members. She addresses a wide range of concierge elements, including partnering with vendors, client events, maintaining accounts, and day to day operations.
Prior to joining Morgan Stanley, Kristin worked for UBS for 6 years as a Client Associate, Branch Administrator, and Executive Team Assistant. She worked for Johns Hopkins Health System for 3 years where she increased the internal staffing revenue for temporary administrative professionals. She was integral in converting temporary staff to permanent staff by coaching, training, and monitoring over 400 employees.
Kristin is a former actress, has been a member of SAG-AFTRA since 2001, has a background in restaurant management, sales, and holds a BS from Towson University with a degree in Theatre Arts and Mass Communications. In her spare time Kristin is a member of the Board of Directors for Meals on Wheels of Central Maryland. She lives in Lutherville with her Goldendoodle, Wyatt.
Prior to joining Morgan Stanley, Kristin worked for UBS for 6 years as a Client Associate, Branch Administrator, and Executive Team Assistant. She worked for Johns Hopkins Health System for 3 years where she increased the internal staffing revenue for temporary administrative professionals. She was integral in converting temporary staff to permanent staff by coaching, training, and monitoring over 400 employees.
Kristin is a former actress, has been a member of SAG-AFTRA since 2001, has a background in restaurant management, sales, and holds a BS from Towson University with a degree in Theatre Arts and Mass Communications. In her spare time Kristin is a member of the Board of Directors for Meals on Wheels of Central Maryland. She lives in Lutherville with her Goldendoodle, Wyatt.
Private Wealth Management
Professional Insights
Donor Advised Funds: A Smart Way to Manage Your Giving
Wealth Management
Global Investment Office
Portfolio Insights
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures | Morgan Stanley
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
