Kathleen Youngerman

Kathleen Youngerman, CFP®, CPM® has over 31 years of wealth advisory experience. In addition to earning the Certified Financial Planning (CFP®) in 2005, Kathleen was awarded the Certified Portfolio Management (CFM®) 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 and a Barron's Top 100 Women Financial Advisor in 2022. 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 2022. 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 four professionals and serves as the chairman of the Harmony Family Office investment committee with capital responsibilities of $1 Billion in assets (as of July 2022). She is the Senior Portfolio Manager of the Office’s $452 million+ core portfolio (as of July 2022) 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.  Read Less