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Certain financial concerns are common among clients. What matters most to a person may range from maintaining their lifestyle in retirement or passing on values and assets to heirs, to limiting risks that can compromise the future of those they love. To effectively address such issues, one should consider the benefits of working with a financial advisor who has special knowledge and experience to offer you. This is why, as part of my ongoing professional devel- opment, I earned the CFP certification from the CFP Board of Standards Inc. The CFP designation is awarded at the end of a three-step process: First, as a prerequisite, it identifies those individ- uals who have met certain experience and ethics requirements; then, it requires that they successfully complete a cur- riculum of financial planning course- work; finally, participants must go on to pass the CFP Certification Examination. The exam covers these topics: • Financial Planning • Risk Management • Investments • Tax Planning and Management • Retirement and Employee Benefits • Estate Planning

Certified Financial Planners must also agree to meet ongoing continuing education requirements and to uphold the Certified Financial Planner Board of Standards Inc.’s Code of Ethics, as well as their Professional Responsibility and Financial Planning Practice Standards. This organization fosters professional standards among financial planning professionals with the goal of providing the public with the benefits of competent personal financial planning.

Where can people go to learn more about this type of investing? We offer complementary consultations and can share many resources along with a customized financial plan.

Has Morgan Stanley been recognized for its effort in social responsibility? Euromoney Magazine has honored Mor- gan Stanley with a newly established award, the Achievement in Corporate Social Responsibility (CSR) Award, citing the Firm’s accomplishments in both CSR and sustainable finance. The inaugural award was an-

nounced in the magazine’s September 2015 edition. Last year, Euromoney named Morgan Stanley “Best Bank for Corporate Social Responsibility,” rec- ognizing the Firm’s 2013 launch of the Institute for Sustainable Investing. Ear- lier this year, the Firm was named Best Global Investment Bank at Euromoney’s 2015 Awards for Excellence.

What else is Morgan Stanley doing for sustainability? The Institute for Sustainable Investing is working to develop the next generation of leaders in the sustainable investing space through the Morgan Stanley Sus- tainable Investing Challenge. This is a global competition for business school students conducted jointly with the Kellogg School of Management and IN- SEAD business school. The 2015 win- ners were from California and designed an investment vehicle tackling drought and forest fires. The runner-up team was from Singapore and created a real estate fund seeking to provide land for some of the nearly 6 million displaced farmers in Colombia.

In 2014, Morgan Stanley launched

the Healthy Cities program, which addresses specific needs of underprivi- leged children and their families by de- livering the fundamentals of nutritious food, wellness screenings and nutrition education, as well as safe play and exercise in tandem with each other. The program has delivered over

600,000 pounds of food, 75 percent of which is fresh produce, created regular fitness programs and provided over 1,000 health screenings for children in Newark, New Jersey, and Oakland, California. Employees built three new playgrounds allowing 2,000 children to regularly access a safe place to play. This year Morgan Stanley launched Healthy Cities London and Healthy Cit- ies Cleveland.

Julie Knight, Financial Advisor, can be reached at 610 391-8176 or julie. knight@morganstanley. com. For information, visit

Associate Vice President Financial Advisor

3500 Winchester Road Allentown, PA 18104 610-391-8176

Investing with Julie Knight

Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circum- stances from an independent tax advisor. thelehighvalleygroup

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®,CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S.

© 2015 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1175223 05/15

2015Morgan Stanley Smith Barney LLC. Member SIPC. CRC 1314812 10/15

The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affili- ates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results.

The strategies and/or investments discussed in

this material may not be suitable for all investors. ©

Creating Financial, and Environmental

Morgan Stanley’s Investing w platform offers a wide range that aim to generate risk-adju financial returns while suppo environmental and social imp

Investing with Impact

Creating Financial, Social and Environmental Value

Julie Knight

Associate Vice President Financial Advisor

3500 Winchester Road Allentown, PA 18104 610-391-8176 thelehighvalleygroup

Morgan Stanley’s Investing with Impact platform offers a wide range of strategies that aim to generate risk-adjusted financial returns while supporting positive environmental and social impact missions.

© 2015 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1175223 05/15

natural awakenings November 2015 31

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