Julia Kuzmenko, CAIA

Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals. I can use this conversation as a baseline in order to learn who you are, what you do, and how I can best help.

During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself. This analysis allows us to better understand what investment vehicles and Morgan Stanley resources would be most applicable. We take all aspects of your life into account in order to establish a path towards your short and long term goals.

Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan that will grow with you as you progress through life.

After the financial plan presentation, I will provide you with analysis and personalized recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.

The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.

Finally, I will be regularly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed. In the event of financial, life, or relationship changes, we will work with you to adjust in order to keep your goals intact.

With an understanding of both sides of the balance sheet, as well as your lifestyle and goals, we create interactive financial plans that allow us to account for every aspect of your financial life leading up to and through retirement. By monitoring and updating this plan throughout your life, we help ensure that you have the income and resources to live out the lifestyle you envision, while accounting for the unexpected.

While there are certain key tenants of investing that tend to lead to success, we firmly believe that great investment management cannot have a cookie-cutter approach. We know that no two clients are the same, and so every portfolio is custom, purpose-built to fit your individual investment style, preferences, goals and desires. Like your financial plan, our portfolios are actively monitored and adjusted to change not just according to the markets, but your life and evolving needs.

We know investments are just one building block on the road to financial success – cash flow projection and management is another. Whether it's buying a home, saving for college, leveraging your investments for liquidity, or myriad other ways in which we spend our hard-earned dollars, we want to help you find the best way to save and invest in tandem as you strive to meet your financial goals.

We help our high net worth clients with customized lending solutions that can be used to enhance liquidity, finance asset acquisition, and protect wealth. We use a dedicated team of experienced lenders to evaluate your individual profile to structure solutions to fit your needs. Lending can help you access financing that can be better suited to your individual circumstances.

While wealth accumulation and preservation are vital facets of our financial lives, planning for the legacy we leave behind is just as important. Whether you plan to pass wealth to your heirs, foundations, or charities, we work together with you and your estate attorneys to ensure that your wishes are met in the most efficient and cost-effective way possible.

Private Real Assets such as real estate and infrastructure aim to help to diversify your portfolio with non-correlated, inflation-resistant real assets which can provide tax advantaged income as well as potential for appreciation. Within real estate, the funds we use are well diversified by both property type and location, focused on high quality assets with high occupancy rates & long term leases. Infrastructure investments are highlighted for their essential role in the economy, spanning sectors like transportation, utilities, data, and more. These investments are characterized by high barriers to entry, long operational lives, and inflation-linked revenues, contributing to their attractiveness due to stable cash flows, high operating margins, and relatively low volatility.

Private credit can be thought of as the private equivalent to higher yielding bonds – these investments are income focused, and serve the purpose of further reducing correlation and volatility in your portfolio, while increasing income. A focus on experience in quality underwriting is the most important thing in this space.

Hedge funds can provide low or non-correlated sources of returns in your portfolio – while there are some hedge funds that aim to "beat the market", we will often focus on managers that aim to provide positive returns in a variety of markets with relatively low volatility in order to improve overall portfolio returns over time. Our primary hedge funds are typically long/short, global macro funds, and dislocation funds. These can provide profit from global macro swings, political/economic events, and when differences occur between an asset's price and it's intrinsic value.

While public markets offer the ability to invest in many well known names and vehicles, many clients do not realize that the vast majority of companies remain private. In fact, of companies in the US that make over $100M+ in revenue, over 80% are Private. What's more - companies are staying private longer and longer, before IPOing at valuations much higher than they would have 10 or 20 years ago. This means more and more of the growth is happening on the private side. I believe it is important for my clients to be aware of the opportunities in this space, while understanding the risk/reward tradeoffs. We have the ability to invest clients in both true Private Equity, where our clients become Limited Partners, as well as in a more accessible "Evergreen" structure with lower minimums, 1099 tax reporting, and more frequent liquidity.