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Julian Brett Morris

Complexity simplified.

LPL Financial LLC

Boston

MA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Other Financial Planning
  • Insurance
    • -Life Insurance
    • -Long-Term Care Insurance
    • -Annuities
    • -Business Insurance
    • -Other Insurance
  • Pension Consulting
    • -401k
    • -403b
    • -457
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients
    • -Other Portfolio Management

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
LPL Financial LLC 7 years Dec 2010 - Present
American Express Financial Advisors 6 years, 4 months Aug 2004 - Dec 2010
Ids Life Insurance Company 6 years, 4 months Aug 2004 - Dec 2010

Designations & Memberships

  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Financial Services Institute
    Membership
    Financial Services Institute
    Founded in 2004, FSI is the only advocacy organization working on behalf of independent broker-dealers and independent financial advisors. Our vision is that all individuals have access to competent and affordable financial advice, products, and services delivered by a growing network of independent financial advisors affiliated with independent financial services firms. Our mission is to create a healthier regulatory environment for independent broker-dealers and their affiliated independent financial advisors through aggressive and effective advocacy, education, and public awareness. Our strategy supports our vision and mission through robust involvement in FINRA governance, constructive engagement in the regulatory process, and effective influence on the legislative process.
  • Accredited Asset Management Specialist
    Designation
    Accredited Asset Management Specialist
    Individuals holding this designation are well versed in asset management processses, asset allocation and selection, taxation of investment products, investments and insurance for both individuals and businesses
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Certified Fund Specialist
    Designation
    Certified Fund Specialist
    CFS Designees have expertise in mutual funds and the mutual fund industry. These individuals advise clients on which mutual funds best suit their particular needs. Does not license individuals to buy or sell mutual funds.
  • Chartered Financial Consultant
    Designation
    Chartered Financial Consultant
    Invididuals holding this designation understand the fundamentals of financial planning, including income tax, insurance, investment and estate planning.
  • Chartered Retirement Planning Counselor
    Designation
    Chartered Retirement Planning Counselor
    The CRPC Program focuses on the pre- and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience.

Articles and Answers

Insights by Julian Morris

Target Date compared Targeted Risk Funds
Published 2012-01-10 15:12:25
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    When I convert my regular IRA to a Roth IRA, do I have to pay the taxes all at once?
    Refer to Ed Slott at www.irahelp.com - he is the foremost expert on the every changing rules surrounding IRA's and related tax laws...  (more)
    Answered Jan 2012
    What Do You Think About Penny Stocks?
    Also, FINRA considers any stock worth less than $4/share to be considered a penny stock....  (more)
    Answered Jan 2012
    As a young professional starting a new career, what would you recommend a Roth IRA or IRA?
    I would suggest using your employer sponsored 401(K) and take advantage of any matching that is offered by your company. After that, if you have free cash flow and fall underneath the income threshold, I would suggest saving into a Roth. If you are a young professional with a high salary such as d...  (more)
    Answered Jan 2012
    How much disability income insurance do I need? Should I get disability insurance?
    The amount needed depends on how much you make, how much you need to live on and other factors.. Yes, you should get disability insurance. First place to look is what is offered through your employer. Take advantage of that and elect the maximum coverage they offer. Find out whether that is a pr...  (more)
    Answered Jan 2012
    My 401k plan has a huge number of investment choices. Where can I find help on how I should pick where to invest in my plan?
    Your plan provider may have a consultant that will help you narrow down you investment selection based on your age, risk tolerance and time frame as well as other investments you have outside of the 401(k). I would also suggest discussing your 401(k) plan with your own financial advisor, who may be...  (more)
    Answered Jan 2012
    How important is picking mutual funds with 4 or 5 stars from Morningstar versus funds with extremely low fees?
    Star rating change...Morningstar even just changed their rating system to reflect the underlying process of funds rather than just rank on a star system. I feel underlying fees are more important when comparing index funds...they essentially are holding the same investments, i.e. the S&P 500, s...  (more)
    Answered Jan 2012
    I've had bad luck with a financial advisor - I paid $600 and got a folder of charts depicting my financial situation and a sales pitch for a roster of insurance products. How can I ensure that my next advisor is worth his/her commission?
    The Certified Financial Planner Board of Standards (www.cfp.net) has a list of questions that you may want to ask your potential advisor. Use this link to find a CFP professional in your area - http://www.cfp.net/find/EnhancedSearch.aspxhttp://www.cfp.net/learn/knowledgebase.asp?id=610 Questions ...  (more)
    Answered Aug 2012
    What is a mutual fund?
    An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund's capital and attempt to produce capi...  (more)
    Answered Jan 2012
    How can I assess the performance of the Fixed Asset segment of my portfolio versus the overall market average?
    You can compare it to one of the numerous bond indexes that match the type of bond you are measuring. Check out teh various indexes at morningstar.com...  (more)
    Answered Jan 2012
    Does a financial advisor need 20 years of experience to give me great advice on how to invest?
    Absolutely not! Look for someone with a CFP designation and other designations that show the advisor is committed to ongoing education and furthering their knowledge. Brightscope has a database that shows what each designation means and how difficult it may be to obtain. Also, independent advisor...  (more)
    Answered Jan 2012
    What are the advantages of using a "fee only" financial advisor?
    Fee only advisor are not limited by the scope or product or service they are offering. However they often cannot provide insurance or annuity products because they are commissionable and if those are appropriate for you, you will have to be referred to another provider to fill those needs....  (more)
    Answered Jan 2012
    What is the difference between a 401k plan and an IRA?
    In the most basic of terms, your 401(k) is a plan you participate in controlled by your employer with set specific investment options. You do not "own" the money. In an IRA you own the money and generally have a much broader selection of investment options and the ability to get professional advic...  (more)
    Answered Jan 2012
    When I pass will my child receive my 401k?
    If you leave your child as your beneficiary, then yes for certain. Check with the HR Department of your employer to view your current beneficiaries and update them if necessary. You may also be able to do this online with your plan provider....  (more)
    Answered Aug 2012
    What are some ways to save money?
    Be DEDICATED to saving. Set up an account where money is automatically deducted from your paycheck or bank account at regular intervals. You will become used to not having this additional money to spend and eventually your next egg will grow....  (more)
    Answered Jan 2012
    What are the pros and cons of term vs. whole life insurance?
    Term life insurance you are just paying for insurance and it is generally the most cost effective. However it only covers you for a finite period of time...the "term." Whole life costs more, will pay a small dividend and if funded correctly will cover you for your "whole life." It is more expensi...  (more)
    Answered Jan 2012
    I am the CFO of my company and we offer a 401k plan, how do I know if I am a fiduciary?
    In general, if you have anything to do with the 401(k) plan, for example, you are listed as the contact for the plan in your 5500 or plan documents, you have fiduciary liabilities/duties. The best way to mitigate this liability is to work with the plan provider, a TPA, and financial professional to...  (more)
    Answered Jan 2012
    What are the advantages of using a commission based financial advisor?
    None. A commission based advisor may be driven to recommend what pays he/she the most rather than what is best for you. Fee based or Fee only advisor typically provide more unbiased advice....  (more)
    Answered Jan 2012
    My mother had a 401k and life insurance policy that at one time had me as beneficiary, but she later made a will naming my grandmother as getting everything, how can I find out if I am still beneficiary on those accounts, I do not have the policy numbers company names and my grandmother and other re
    If you are named beneficiary on the 401k and insurance, it would supersede what is written in will. Good luck....  (more)
    Answered Aug 2012
    Is there financial aid for graduate school?
    Here is a link you may find helpful http://www.classesusa.com/schools/30426-page1.cusa...  (more)
    Answered Jan 2012
    What should young professionals who leave the workforce temporarily do with their retirement plans?
    Generally I advise clients to rollover their 401(k)'s into and IRA and consolidate their accounts with a trusted advisor who will hopefully do a good job of watching over your money while you are focusing your time and energy on graduate school. You will then have a relationship with an advisor whe...  (more)
    Answered Jan 2012
    With the financial crisis occurring in Europe right now, is it smart for me to start investing in the stock market?
    As Jim Cramer says "there's always a bull market somewhere" - if you have money to invest, you should work with a professional to design an asset allocation for you saved on your risk tolerance, time frame to goal and tax situation. While you may not be immune from a financial crisis in Europe ther...  (more)
    Answered Jan 2012
    How much money do I need to retire?
    That is a question that depends on you - how much you save, when you start saving, your investment rate of return, your risk tolerance, when you want to retire, what you want youre lifestyle to be in retirement and many other factors. You should really seek professional advice and build a retiremen...  (more)
    Answered Jan 2012
    Do you tend to recommend mutual funds, ETFs or individual stocks as a general rule for individual investors?
    Personally, a mix of mutual funds and ETF's. I find individual stocks to be too risky. Everyone has a different approach though....  (more)
    Answered Jan 2012
    What do experts believe the stock market will return in the next 10 years?
    There is no consensus on where the market will be by an expert. Historically it has trended up since inception. So that is here you would hope it would be. About 70% of the time on a year to year basis, the market is even or up anf the other 30% of the time you lose money....  (more)
    Answered Jan 2012
    How much does health insurance cost per month?
    Variable depending upon location, age, type of coverage (HMO, PPO), deductible and many other factors....  (more)
    Answered Jan 2012
    Banks or credit unions? Which are better?
    Neither is inherently "better." Each will offer unique features or services to meet your needs. Personally, i bank where it is most convenient for me to do banking....  (more)
    Answered Jan 2012
    When should I refinance?
    When you can improve your cash flow and rates are at least .5% lower than your current rate. A mortgage advisor would be able to run an analysis for you. You can get a recommendation to a mortgage advisor from your financial planner or a friend....  (more)
    Answered Jan 2012
    This year I'll have to do my taxes for jobs in two different states. Is this going to make filing taxes much more complicated? How can I make sure to get the most out of my return?
    Hire an accountant...  (more)
    Answered Jan 2012
    How often should I meet with my financial advisor?
    Toni - your financial advisor should have a service model that they implement with you. For example, I meet face to face with clients as a minimum once a year. Some clients I meet with quarterly. Others I meet with every six months and have conference calls in the quarters that we don't meet. It...  (more)
    Answered Jan 2012
    What does it mean when a mutual fund has "active management"?
    That there is an individual, team of analysts, or computer program that are making proactive (and sometimes reactive) trades to your underlying fun investments rather than just tracking and index, such as the S&P 500, which would be considered a passive approach....  (more)
    Answered Jan 2012
    How do I compare credit cards?
    www.creditcards.com is an excellent resource....  (more)
    Answered Jan 2012
    When interviewing a financial advisor, what questions should I ask?
    See this brochure from the CERTIFIED FINANCIAL PLANNER (TM) Board of Standards - http://www.cfp.net/upload/publications/185.pdf It should be very helpful. You can also print it and take it with you when interviewing your prospective advisor. Good luck!...  (more)
    Answered Jan 2012
    How can I see my personal plan's growth?
    Look at a statement, speak to an advisor, contact your investment provider...  (more)
    Answered May 2012
    How can I write off expenses from my new small business when I currently do not have any revenue?
    Likely, but use a tax consultant...  (more)
    Answered Jan 2012
    I am almost 60 can i take out part of my 401k if so what do i do?
    See you Summary Plan Description...it will give your "in-service distribution" options. Often 59 1/2 is the sweet spot. Most move $ into an IRA for an advisor to manage....  (more)
    Answered Jan 2012
    I need to find my 401k plan from year 2007?
    call the HR department of your former employer...  (more)
    Answered Nov 2012
    As a 23-year-old working professional planning on becoming a graduate student in the next 1-2 years, do I need a financial plan or advisor?
    That depends on you. An advisor can help you with multiple areas of life planning and perhaps establishing a reserve fund for expenses to help get you through grad school. And if you plan on being a part time grad student, a planner is even more valuable. As a general rule, the more planning you ...  (more)
    Answered Jan 2012
    When is the right time(financially) to buy a car?
    Lauren - how many miles a year do you drive? How long do you want to keep the car for? Sometimes it is more cost effective to lease if you only want the car for 3-4 years and drive under 15K miles/year....  (more)
    Answered Jan 2012
    My insurance agent says their are no fees for the investment products he wants to sell me.  How can he make a living if the products he sells don't have fees?
    Your agent is lying or doesn't know the product he is trying to SELL to you. Everything has fees! Find a new agent that will find the product that first your needs and isn't trying to "sell" you something because of a high commission.Don't be afraid to ask what your agent will make from the sale....  (more)
    Answered Aug 2014
    How do I know if a financial advisors clients are happy with them?
    If they aren't transferring their assets away, are providing referrals, answer your correspondence, then it is safe to say they are happy. Especially if they are referring. You wouldn't refer to someone you don't like...  (more)
    Answered Jan 2012
    Is now a good time to purchase real estate?
    Yes. If you can afford it and especially if you are looking to make a home out of your purchase, not necessarily an investment to make loads of money. The tax benefits of owning a home and pride of ownership are great as well. I would not buy if you are looking to make a quick dollar....  (more)
    Answered Jan 2012
    Where can I find information on a plan that was dissolved?
    Was there contact information in the letter?...  (more)
    Answered Jan 2012
    How many audits of benefit plans are performed each year?
    Most providers send out quarterly reports to advisors who manage plans, in addition to the advisor, CFO/Board investment company checking in between ...  (more)
    Answered Jan 2012
    Are advisors seeing Alternative Assets going into 401k fund lineups?
    Yes, it is part of a diversified portfolio. if you want alternative assets, ask you plan sponsor to add them...  (more)
    Answered Jan 2012
    HOW IM I ABLE TO CHECK OW MUCH I HAVE FOR MY 41K AND HOW MUCH IT TAKES?
    Either online through your plan sponsor or you probably receive a quarterly statement. There will be an 800# where you can call and ask specific questions about your account. Good luck!...  (more)
    Answered May 2017
    My wife is 70 years old and retiring this year. She will get a lumps sum payout, which she can put in a 403b plan.
    Unicorns exists and if you can't find one, an annuity may work, but be careful of the fine print. ...  (more)
    Answered May 2017
    Can i take my stocks before i retire???
    Largely depends on what "stocks" you are referring to, your company retirement plan provisions, if you are still employed by that company and your age....  (more)
    Answered May 2017
    How fo i collect my funds from my plan?
    Call the 800# on your plan statement and request funds. I'd suggest setting up an IRA first so you can rollover funds from 401(k) into IRA and minimize tax burden/defer taxes....  (more)
    Answered May 2017
    How do I see my 401k account activity?
    The best place to see current activity would be an online portal from your plan provider. The second best place would be a recent statement. Good luck!...  (more)
    Answered May 2017
    Which financial planner designations are meaningful?
    CFP is the gold standard. I would further check to ensure your advisor is a FIDUCIARY and Independent so they are not looking to sell you high priced products and services, but rather put your interests before their own....  (more)
    Answered May 2017
    Is Bright Scope responsible for the accuracy of every company's 401k info. such as form 5500 data?
    Brightscope is just reposting the 5500 data that is made public. The more accurate the form is filled the better the data....  (more)
    Answered May 2017
    I want to find out about cashing out a employee stock ownership plan, I was laid off in 2015. I vested 100%?
    Call your company HR Department or the 800# on the statement your receive. Also speak to a CPA regarding tax consequences of your actions....  (more)
    Answered May 2017
    Will Brightscope benchmark against peers selected by Plan Sponsor?
    Depends on size of plan and data available ...  (more)
    Answered May 2017
    Have 4 different 403(b)/401(k) due to changes in employer. Would there be an advantage to combining the accounts?
    Simplicity + Saving trees + controlling how your money is invested rather than being at whim of plan sponsor. Good luck!...  (more)
    Answered May 2017
    Assuming same expense ratio and zero commission, ETF or index fund to start an IRA?
    I would go ETF if expense ratios are lower...VTI, VEU, DND make an inexpensive and diversified portfolio....  (more)
    Answered Feb 2012
    If I can afford to supplement the monthly mortgage payment, where should the extra money go: on the PRINCIPAL? Or on the INTEREST section?
    Principal, that way you are paying down the money owed. I would double check with your mortgage consultant as well....  (more)
    Answered Jan 2012
    I am trying to figure out how much I have in my 401k?
    Check with your plan provider. Generally you receive online access. What company is the manager of your 401k plan?...  (more)
    Answered Jan 2012
    How can i close my 401 k plan to receive money.?
    Contact your plan sponsor and/or HR Dept and ask what the procedure is....  (more)
    Answered Jan 2012
    How can I maximize my 401(k)?
    By contributing the maximum allowable based on your age and sticking to an asset allocation. See you if your plan also offers rebalancing options....  (more)
    Answered Jan 2012
    How Can I find an advisor to help with divorce?
    Look for a CFP or someone with a CDFA designation in your area...  (more)
    Answered Jan 2012
    Does Sgt-Inc-401k-Employee-Savings-Plan allow rollovers?
    Check with the plan administrator or HR. Many plans allow rollovers from other plans. You could also open an IRA with your old 401k proceeds and control the investments...  (more)
    Answered Jun 2017
    How do I get my money?
    There is probably an 800# on your most recent statement of contact info on your company 401k website that will give you contact info to explain your options to get your money ...  (more)
    Answered Jun 2017
    Whats a rap?
    Dr. Dre, Jay Z, Drake and A Tribe Called Quest are all great examples of Rap. I think you are referring to Wrap, which is a fee-based account....  (more)
    Answered Jun 2017
    Where should I consider investing retirement savings after maxing out 401k?
    Roth IRA if you don't make too much money....  (more)
    Answered Jun 2017
    How does my 403b plan differ from the 401k I had previously?
    It depends on the carrier...403(b)'s are often annuity based. From a tax perspective, the contributions and rollover guidelines are the same....  (more)
    Answered Jan 2012
    What is the best model to determine the total return and tax implications of investing in a 529 college savings plan vs. lunmping all money into a consolidated investment portfolio.?
    Every 529 plan is different. Work directly with your financial advsior...  (more)
    Answered Jan 2012
    1099-R for Roth 401k?
    Ask your accountant...  (more)
    Answered Jan 2012
    I have 1/3 of my net worth in the markets (95% equities, im 26). The other 2/3 is cash. Where do you advise I put this? I have no debt and might use some money to start a business so I might want to be able to access it in the short to medium term of 1-3 years?
    Ryan - I think it depends on your total Net Worth ...  (more)
    Answered Jan 2012
    How does the Thrift Savings Plan compare to other plans concerning expenses?
    TSP fund internal expenses are generally lower than most other plans...  (more)
    Answered Jan 2012
    Divorcees getting their half of pension now.?
    Because life isn't fair...  (more)
    Answered Feb 2012
    What is the difference between a broker and an advisor?
    There may be a difference in the level or type of services provided...although it could just be the title....  (more)
    Answered Jan 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Jul 11, 2017
      FINRA
      FINRA
      • license status
        Registered
      • disclosures
        None
      • as of date
        Jul 11, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      LPL Financial LLC

      Last updated on Aug. 24, 2017
        • $117.2B
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 552K
          Accounts
        • $212.5K
          Estimated Average Account Balance

      Fees

      Types of Compensation Arrangements