The Harmony Family Office

Kathleen Youngerman, CFP^®, CPM^® has over 35 years of wealth advisory experience. In addition to earning the Certified Financial Planning (CFP^®) in 2005, Kathleen was awarded the Certified Portfolio Management (CPM^®) by Columbia University in 2018. Kathleen joined the Smith Barney/Citi Family Office division in 2005 pre-Morgan Stanley merger. She leads one of approximately 200 advisor teams who are a part of the elite Private Wealth Management Division of Morgan Stanley. This business unit provides a comprehensive wealth management approach with an expertise in complex financial structuring, tax/estate strategies and family office services such as philanthropy and family governance. In addition to leveraging Morgan Stanley’s global resources; our PWM advisors are supported by a dedicated team of over 100 analysts and professionals dedicated to assisting PWM advisors serve our most prestigious clientele.

Kathleen was once again named a Barron's Top 1,200 National Advisor in 2024. She was selected for her extensive knowledge and experience, as well as her superior commitment and sophisticated approach to integrating the wealth management requirements of her clients. Kathleen was also named as the #1 Woman Wealth Advisor in Missouri by Forbes Magazine along with being named to their Best-In-State List in 2024. She also was named to Working Mother Magazine's Inaugural List of Top Wealth Advisor Moms in 2017 and continued to be named until 2021. Additionally, Kathleen has been recognized in the local St. Louis community with the 2015 Professional Advisor Legacy Award by the St. Louis Planned Giving Council. This award recognizes the advisor’s skill, knowledge, imagination and insight in meeting the specific needs of his/her clients.

Kathleen, the senior member of Harmony Family Office (HFO) , serves high net worth to ultra-high net worth, multi-generational families with liquid investment as well as illiquid assets that consist of concentrated public stock, privately held companies, commercial real estate, intellectual property, art and collectibles. More than a third of these clients have significant philanthropic endeavors and entities such as Private Foundations, DAF and CLT/CRT. All HFO clients have complex legal structures such as S Corps, C Corps, LLC, GRAT, FLIP, Dynasty Trust, QPERT, GST Exempt and Non-Exempt Trust and other advanced planning entities that require knowledge of the benefits, management and developments in the technical aspects of the legal and tax structures. Kathleen oversees the team’s comprehensive financial planning and reporting services. Integrating the details of clients’ complex financial lives includes advising, managing and researching opportunities and risks, as well as overseeing and assisting with the financial implications of their day–to-day legal, tax, cash flow and accounting requirements. Kathleen has experience with managing complex financial structures, tax/estate planning strategies and delivery of family office services such as philanthropic and family governance. She has developed a focus and concentration on clients’ monetization and liquidity planning for privately held companies and concentrated public stock holdings.

For many clients, HFO provides a customized portfolio management component. Kathleen oversees a team of six professionals and serves as the chairman of the Harmony Family Office investment committee with capital responsibilities of $1 Billion in assets (as of December 2023). She is the Senior Portfolio Manager of the Office’s $600 million+ core portfolio (as of December 2023) comprised of individual stocks and bonds. As an Alternative Investment Director, Kathleen, has significant experience with providing access to clients that are qualified investors with exposure to markets and investment strategies that cannot be accessed through traditional fixed income and equity markets.

Barron's Top 1,200 Financial Advisors: State-by-State
​Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's for the period Oct 2022-Sept 2023.
2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017 - 2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2017 - 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.

Valerie Warren has over 28 years of experience in the financial services industry.

She has held various roles to include Financial Advisor, regional cash management specialist and human capital management.

She provides a high level of necessary experience for our ultra high net worth clients' needs to include Financial Planning, wealth planning strategies, retirement plans, deferred compensation,
stock option plans and insurance.

Valerie works with our clients accounting and legal partners to coordinate estate planning, intellectual property, and tax strategies.

Additionally, she has oversight of the administrative staff and the navigation of complex projects.

She is Series 7, Series 63, Series 65 and insurance licensed along with Life, Health and Long-Term Care Insurance licenses.

NMLS #2671392

Rebecca Hance has been in the financial services industry for over 32 years holding a variety of positions at an Investment Bank Brokerage Firms as well as an Ultra High Net Worth Trust Company, giving her a unique skill set to assist the team and clients with high net-worth services and solutions.

Rebecca's primary role is assisting with discretionary portfolio management including trading and monitoring portfolios. Additionally, she is responsible for researching, analyzing, selecting and monitoring third party investment managers. She is also responsible for coordinating and overseeing the execution of administrative requests, complex projects and assists with performance reporting for clients.

Rebecca is Series 7, Series 63, Series 65 and insurance licensed, and obtained her Certified Portfolio Manager, CPM^® Designation in November of 2018 through Columbia University, NY.

*This role cannot provide investment advice

Chris has spent nearly 10 years in financial services. Prior to joining The Harmony Family Office, he held various roles including Client Service Associate and Financial Advisor.

He is responsible for assisting the team with Financial Planning for use with client, assisting with report generation for client review meetings and developing wealth planning strategies for team review for client use.

Chris also holds his Series 7 and Series 66 licenses, along with Life, Health and Long-Term Care Insurance licenses.

*This role cannot provide investment advice

Prior to joining The Harmony Family Office in 2024, Elle’s previous experience includes recruiting efforts and managerial roles.

Her responsibilities include, calendar management, presentation assembly, facilitating client requests and correspondence.

Elle is a graduate of Rockhurst University in Kansas City, MO with a master's degree in Business Administration and a bachelor's degree in English literature.

Keith began his career in operations at a regional investment firm before joining the Harmony Family Office in 2021. He is responsible for the team’s marketing efforts as well as assisting with the administration of cash management strategies, organization of Alternative Investment files and assisting with inputs to investment plans for team review.

Keith is a graduate of Rhodes College in Memphis, TN with a degree in Finance.

He is Series 7 and Series 66 licensed.