Shubie Gulati, CFP®, CDFA®

I begin with an informal conversation to understand your financial concerns and determine how I can add value to your situation. This is your opportunity to interview us as I get to know you. If I agree to move forward, I’ll schedule our next meeting and request important financial information.

I continue the dialogue by fostering an in-depth conversation where I listen carefully to what is important to you. I learn about the values that shape your decisions and identify any unique circumstances. I also review the documents you’ve prepared and begin to define your priorities.

Here, I review your financial situation, determine the likelihood of reaching your goals and address the impact of unexpected life events. I may also reach out to your CPA and estate attorney to help ensure the strategies they recommend are fully coordinated. With attention to detail and utilizing Morgan Stanley’s proprietary LifeView^® financial planning tools, I develop a comprehensive plan tailored for your goals.

I present my recommendations along with key action steps to implement your plan.

As I execute your plan, I set up tools to provide convenient access to your accounts. I’ll provide ongoing updates and follow up on key items to ensure your plan is implemented as expected.

I apply a strict due diligence process to evaluate investment performance and set up regular calls to discuss performance towards your goals. In these discussions, I determine if any adjustments are needed, since personal goals and market conditions can change over time.


A LifeView Financial Goal Analysis or LifeView Financial Plan (“Financial Plan”) is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no guarantees as to future results or that an individual’s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your financial goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis or LifeView Advisor. When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. When your Financial Advisor prepares a Financial Plan (i.e., when using LifeView Advisor), they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. This Investment Advisory relationship will begin with the delivery of the Financial Plan and ends thirty days later, during which time your Financial Advisor can review the Financial Plan with you. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at http://www.morganstanley.com/ourcommitment/

I conduct an extensive risk profile to determine your personal level of investment risk. I then tailor strategies designed to put your money to work for the long-term within your risk parameters.

I believe in transparency of process, research and pricing. I provide an “open architecture” platform with non-proprietary investments to seeking ensure no conflicts of interest.

Your satisfaction is our priority. I seek to accomplish this by working with a select group of clients, so I may dedicate the time, attention and service they each deserve. I seek to earn your trust not only through the quality of our advice and investments, but through the excellence with which I deliver them.

I listen to you. Our conversations allow us to develop an understanding of you and your values. Once I understand your perspective, I take the time to explain complex strategies in simple terms so you can make informed decisions to achieve your goals.

Our goal is to offer advice and service before you know you need it and to respond to every request whenever it comes up. I take the time to ensure you understand all your opportunities and how each one impacts your overall financial picture. I hope to be your first phone call for any financial or life decision.

You are entitled to the best advice possible. As a result, I often collaborate with colleagues across Morgan Stanley’s extensive network, as well as other professionals within the industry. I work in tandem with your accountant, attorney and other advisors to gain the precise knowledge needed to striving to help you effectively manage all aspects of your wealth.

I touch the markets every day through our exposure to a diverse range of money managers and thought leaders at Morgan Stanley and around the industry. This access informs our guidance and enables us to incorporate a sophisticated framework into our disciplined process.

I believe education leads to better understanding into our strategy and discipline, and ultimately, better long-term results. I am committed to providing ongoing and proactive education, resulting in enhanced knowledge about financial and non-financial issues that impact your life.