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PART 2A/2B BROCHURE
Downing Street Wealth Management LLC (CRD 152983), brochure dated October 23, 2026. Text extracted from the firm's SEC Form ADV Part 2 brochure.
View firm on SEC ↗ · Current Form ADV (PDF) ↗
ITEM 1 – COVER PAGE
Downing Street Wealth Management LLC
Fee Only Financial Planning &
Investment Management
Form ADV Firm Brochure
&
Robert W. Morrison
Form ADV Supplemental Brochure
O c t o b e r 2 3 , 2 0 2 6
Main Office:
6312 S Fiddlers Green Cir., Suite 300E
Greenwood Village, CO 80111
Phone: 720-360-0886
Fax: 888-330-9078
E-mail: bob.morrison@downing-st.com
This brochure provides information about the qualifications and business practices of Downing
Street Wealth Management, LLC (“Downing Street”). If you have any questions about the contents
of this brochure, please contact us at 720-360-0886 or bob.morrison@downing-st.com. The
information in this brochure has not been approved or verified by the United States Securities and
Exchange Commission or by any state securities authority. Downing Street is a Registered
Investment Adviser. Registration as an Investment Adviser with the United States Securities and
Exchange Commission or any state securities authority does not imply a certain level of skill or
training.
information about Downing Street
Additional
is available on the SEC’s website at
www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as an
IARD number. The IARD number for Downing Street is 152983
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
FORM ADV 2A Brochure
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ITEM 2 – MATERIAL CHANGES
This section of the Brochure will address only those “material changes” that have been
incorporated since our last delivery or posting of this document on the SEC’s public
disclosure website (IAPD) www.adviserinfo.sec.gov.
Since our last annual amendment on March 30, 2026, we have the following material
changes to report:
Item 5 - We updated our fixed financial planning fee amount and hourly rate.
If you would like another copy of this Brochure, please download it from the SEC Website
as indicated above or you may contact our Chief Compliance Officer, Bob Morrison at 720-
360-0886 or bob.morrison@downing-st.com
We encourage you to read this document in its entirety.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
FORM ADV 2A Brochure
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ITEM 3 – TABLE OF CONTENTS
1
ITEM 1 – COVER PAGE
2
ITEM 2 – MATERIAL CHANGES
3
ITEM 3 – TABLE OF CONTENTS
4
ITEM 4 – ADVISORY BUSINESS
7
ITEM 5 - FEES AND COMPENSATION
12
ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT
12
ITEM 7 - TYPES OF CLIENTS
12
ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS
16
ITEM 9 - DISCIPLINARY INFORMATION
16
ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS
16
ITEM 11 - CODE OF ETHICS PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND
PERSONAL TRADING
18
ITEM 12 - BROKERAGE PRACTICES
21
ITEM 13 - REVIEW OF ACCOUNTS
21
ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION
22
ITEM 15 – CUSTODY
23
ITEM 16 – INVESTMENT DISCRETION
24
ITEM 17 – VOTING YOUR SECURITIES
24
ITEM 18 – FINANCIAL INFORMATION
24
ITEM 19 – REQUIREMENT FOR STATE REGISTERED ADVISERS
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
FORM ADV 2A Brochure
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ITEM 4 – ADVISORY BUSINESS
This Disclosure document is being offered to you by Downing Street Wealth Management,
LLC (“Downing Street” or “Firm”) about the financial planning and investment advisory
services we provide. It discloses information about our services and the way those services
are made available to you, the client.
We are an investment management firm located in Greenwood Village, Colorado. We
specialize in investment advisory services for individuals, high net worth individuals, trusts
and estates. Our Firm became a registered investment adviser in 2010. Bob Morrison is
the owner of the firm.
We are committed to helping clients build, manage, and preserve their wealth, and to
provide assistance that helps clients to achieve their stated financial goals. We will offer an
initial complimentary meeting upon our discretion; however, investment advisory services
are initiated only after you and Downing Street execute an Investment Management
Agreement.
Investment Management Services
We manage advisory accounts on a discretionary basis. For discretionary accounts, once
we have determined a profile, tax situation, ability and willingness to assume risk and an
investment plan with a client, we will execute the day to day transactions without seeking
prior client consent. Account supervision is guided by the written profile and investment
plan of the client. Clients have the ability to place reasonable restrictions on the types of
investments that may be purchased in an account, however Downing Street retains the
right to decline to enter into a management agreement with any clients whose investment
are contrary to the firm’s investment strategies. (Please see Item 16, Investment Discretion
for additional information concerning discretionary authority). We primarily allocate client
assets among various no-load mutual funds, exchange traded funds (ETFs), and
occasionally, individual equity securities and individual bonds.
During personal discussions with clients, we determine the client’s objectives, time
horizons, risk tolerance and liquidity needs. As appropriate, we also review a client’s prior
investment history, as well as family composition and background. Based on client needs,
we develop a client’s personal profile and investment plan. We then create and manage
the client’s investments based on that policy and plan. It is the client’s obligation to notify
us immediately if circumstances have changed with respect to their goals.
Once we have determined the types of investments to be included in your portfolio and
allocated them, we will provide ongoing investment review and management services.
This approach requires us to periodically review your portfolio.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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With our discretionary relationship, we will make changes to the portfolio, as we deem
appropriate, to meet your financial objectives. We trade these portfolios based on the
combination of our market views and your objectives, using our investment process. We
tailor our advisory services to meet the needs of our clients and seek to ensure that your
portfolio is managed in a manner consistent with those needs and objectives. You will have
the ability to leave standing instructions with us to refrain from investing in particular
industries or invest in limited amounts of securities.
We do have limited authority to direct the Custodian to deduct our investment advisory
fees from your accounts, but only with the appropriate written authorization from you.
Where appropriate, we provide advice about any type of legacy position held in client
portfolios. Clients will engage us to advise on certain investment products that are not
maintained at their primary custodian, such as annuity contracts and assets held in
employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans).
You are advised and are expected to understand that our past performance is not a
guarantee of future results. Certain market and economic risks exist that adversely affect
an account’s performance. This could result in capital losses in your account.
Financial Planning
Downing Street Wealth Management LLC provides fee-only financial planning services to
individuals and families. The purpose of these services is to provide an objective resource
that helps clients develop and implement a financial plan to achieve their goals. These
services can be customized to meet each client's specific requirements and needs. The
services provided may be comprehensive in nature or focused on particular areas of
interest or need, depending upon each Client’s unique circumstances. Through the
financial planning process, we strive to engage our clients in conversations around the
family’s goals, objectives, priorities, vision, and legacy – both for the near term as well as
for future generations. With the unique goals and circumstances of each family in mind,
we will offer financial planning ideas and strategies to address the client’s holistic financial
picture, including estate, income tax, charitable, cash flow, wealth transfer and family
legacy objectives. We may partner with our client’s other advisors (CPA, estate attorney,
insurance broker, etc.) to ensure a coordinated effort of all parties toward the client’s stated
goals. Such services include various reports on specific goals and objectives or general
investment and/or planning recommendations, guidance to outside assets and periodic
updates.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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Our specific services in preparing your plan may include:
Review and clarification of your financial goals;
Assessment of your overall financial position including cash flow, balance sheet,
investment strategy, risk management and estate planning;
Creation of a unique plan for each goal you have, including personal and business
real estate, education, retirement or financial independence, charitable giving,
estate planning, business succession and other personal goals;
Development of a goal-oriented investment plan, with input from various advisors
to our clients around tax suggestions, asset allocation, expenses, risk and liquidity
factors for each goal. This includes IRA and qualified plans, taxable and trust
accounts that require special attention;
Design of a risk management plan including risk tolerance, risk avoidance,
mitigation and transfer, including liquidity as well as various insurance and
possible company benefits; and
Crafting and implementation of, in conjunction with your estate and/or corporate
attorneys as tax advisor, an estate plan to provide for you and/or your heirs in the
event of an incapacity or death.
A written evaluation of each client's initial situation or Financial Plan is provided to the
client. Our clients have the option to engage the firm on an “as needed” basis for financial
planning services where there is no on-going or long-term engagement. Clients engaging
Advisor in this manner typically seek specific advice and recommendations. Upon
completion of the analyses and presentation of recommendations (and, upon Client
request, assistance with their implementation), the engagement is complete. We provide
additional or future consultations but leave it to the client to initiate contact and re-engage
us.
Tax Preparation
Certain associated persons with Downing Street are also part of Downing Street Tax
Management, LLC. Downing Street Tax Management, LLC aids Clients in the areas of tax
planning and tax return preparation. Investment management/financial planning clients
are under no obligation to utilize the services of the tax planning division. See above for
more details.
Retirement Plan Advisory Services
The Retirement Plan Advisory Services we offer help to employer plan sponsors to
establish, monitor and review their company’s retirement plan. As the needs of the plan
sponsor dictate, areas of advising could include: investment selection and monitoring plan
structure and participant education. We offer management of 401(k) accounts, profit
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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sharing plans and defined contribution plans, on a plan level by managing the investment
line-up making changes as necessary.
Plan Level
We will establish the plan’s needs and objectives through an initial meeting to collect data,
review plan information and assist in developing or updating the plan’s provision. Ongoing
services may include recommendations regarding the selection and review of unaffiliated
mutual funds that, in the Firm’s judgment, are suitable for plan assets to be invested. We
periodically review the investment options selected and make recommendations to keep
or replace plans investment options as appropriate. We perform a comprehensive review
of investment options and will assist with converting from incumbent service providers to
a new service provider if appropriate.
We will provide quarterly recommendations for the plan’s investment allocation. Upon
receipt we will review the investment options and provide positions for accounts in
accordance with the management style chosen by the client. Analysis is provided for each
fund held by the Plan. Clients are responsible for making the fund changes within the
account.
Participant Level
We can also be engaged to provide financial education to plan participants. The scope of
education provided to participants will not constitute “investment advice” within the
meaning of ERISA and participant education will relate to general principles for investing
and information about the investment options currently in the plan. We may also
participate in initial enrollment meetings and periodic workshops and enrollment meetings
for new participant.
Wrap Fee Program
We do not participate in a Wrap Fee Program.
Assets
As of December 31, 2025, we have $155,667,900 under discretionary management and
$19,935,865 in non-discretionary assets.
ITEM 5 - FEES AND COMPENSATION
Downing Street is fee-only. That means that all of our compensation comes directly from
you, the client. We receive no 3rd party compensation from commissions, products
recommended or referral fees. Being fee-only allows us to focus exclusively on your best
interest and provide objective recommendations to help you achieve your financial goals.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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Investment Management Fees and Compensation
Our Firm charges a fee as compensation for providing Investment Management services
on your account. These services include advisory services, trade entry, investment
supervision, and other account-maintenance activities. Our custodian charges transaction
costs, custodial fees, redemption fees, retirement plan and administrative fees or
commissions. See Additional Fees and Expenses below for additional details.
The fees for investment management are based on an annual percentage of assets under
management and are applied to the household asset value on a pro-rata basis and billed
quarterly in advance. The initial fee will be based upon the market value of the portfolio
on the close of the last business day of the partial quarter, prorated for the number of days
in the quarter your account is under management. Thereafter, the quarterly fee will be
calculated on the market value of the last business day of the calendar quarter. The value
will be determined as reported by the Custodian. Fees are assessed on all assets under
management, including securities, cash and money market balances. Margin account
balances are not included in the fee billing.
The fees are as follows:
Fair Market Value of Account Management
Fee
$0 to $1,000,000
$1,000,001 to 3,000,000
$3,000,001 to $5,000,000
$5,000,001 to $8,000,000
Above $8,000,0000
1.20%
1.00%
0.90%
0.80%
0.70%
The fee is 1.2% for the first million under management. The first million is not prorated to
15% once assets exceed one million dollars. These assets will continue to be billed at based
on the table above. The minimum annual fee including both investment management and
ongoing planning is $2,500. If you elect the hourly option with investment management
services only, you will be billed at the regular hourly rate for any financial planning services
requested.
To calculate the billing, Downing Street uses 360 days in the year and a 90 day quarter.
Calculations are as follows:
[(Quarter End Value x Advisory Fee Rate)/4 = Advisory Fee
We may negotiate a lower advisory fee or have the right to waive the minimum fee. Fees
may vary based on the size of the account, complexity of the portfolio, extent of activity in
the account or other reasons agreed upon by us and you as the client. In certain
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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circumstances, our fees and the timing of the fee payments may be negotiated. Our
employees and their family related accounts are charged a reduced fee for our services.
Unless otherwise instructed by the Client, we will aggregate related client accounts for the
purposes of determining the account size and annualized fee. The common practice is
often referred to as “house-holding” portfolios for fee purposes and may result in lower
fees than if fees were calculated on portfolios separately. Our method of house-holding
accounts for fee purposes looks at the overall family dynamic and relationship. When
applicable and noted in the Investment Management Agreement, legacy positions may
also be excluded from the fee calculation.
The independent qualified custodian holding your funds and securities will debit your
account directly for the advisory fee and pay that fee to us. You will provide written
authorization permitting the fees to be paid directly from your account held by the
qualified custodian. Further, the qualified custodian agrees to deliver an account
statement to you on a quarterly basis indicating all the amounts deducted from the
account including our advisory fees.
Either Downing Street or you may terminate the Investment Advisory Agreement
immediately upon written notice to the other party. The management fee will be pro-
rated to the date of termination, for the month in which the cancellation notice was given
and the unearned fee refunded to your account as indicated in your Agreement. Upon
termination, you are responsible for monitoring the securities in your account, and we will
have no further obligation to act or advise with respect to those assets. In the event of
client’s death or disability, Downing Street will continue management of the account until
we are notified of client’s death or disability and given alternative instructions by an
authorized party.
Financial Planning Fees
We will negotiate planning fees with you. Fees may vary based on the extent and
complexity of your individual personal circumstances and amount of assets under
management. Your fee for the designated financial advisory services will be based on one
of the following ways:
☐
Fixed Fee: Under a fixed fee arrangement, any fee will be agreed upon in advance
of services being performed. The fee will be determined based on factors including the
complexity of your financial situation, agreed upon deliverables, and whether or not you
intend to implement any recommendations through Downing Street.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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When Downing Street is chosen to implement your plan for investment management, we
will waive or reduce a portion of our financial planning. The type of fee and, in the case of
a fixed fee, the amount of the fee will be agreed to by you and your advisor prior to the
signing of the financial planning agreement. One half of the total fee will be due and
payable at the time you enter into the financial planning agreement, with the balance due
and payable at the time the financial plan is delivered.
You may request Downing Street to help implement the plan even though you don’t use
our investment management services. In this case, we will schedule a series of meetings to
assist with the implementation. The initial fee ranges from $3,000 to $6,000. The
subsequent meeting, which are typically held monthly, range from $1,000 to $2,000 per
meeting. Typically, full implementation is achieved within 4 months.
Typically, we complete a plan within a week or two and will present it to you within 90 days
of the contract date, provided that you have provided us all information needed to prepare
the financial plan. If the work is not completed in such a time, we will refund your fee on a
pro-rated basis. The financial planning flat fee refund is calculated as follows: within the
first week of signing the agreement, if the client cancels, we will refund 50% of the fee.
☐
Hourly Rate: Under an hourly rate agreement, your total cost for financial planning
services will be based on the amount of time your advisor and our staff spend developing
your financial plan. This includes time spent meeting with you, analyzing your financial
objectives, and evaluating and documenting your strategies. Our hourly rate is $85.00 an
hour. The fee and the number of hours will be determined based on factors including, the
complexity of your financial situation, agreed upon deliverables and the level of experience
of the advisor(s) s completing your plan. Either party may terminate the agreement. Upon
termination, fees will be prorated to the date of termination and any unearned portion of
the fee will be refunded to you.
In no case are our fees based on, or related to, the performance of your funds or
investments.
The engagement may be terminated at any time by either party upon written notice to the
other party. If the engagement is terminated within 5 days of signing the client service
agreement, no fees would be due and any unearned prepaid fees would be refunded.
Should client terminate the engagement after this date, client is responsible and will be
invoiced for any time charges incurred by Downing Street in the preparation of their plan.
Tax Preparation
Certain associated persons with Downing Street are also part of Downing Street Tax
Management, LLC This entity aids in the following areas:
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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Tax Planning and Preparation - Includes tax return preparation, representation before
the IRS, state tax return preparation, income, gift & estate tax returns, business startup &
corporate taxes, 1031 tax-free real estate exchanges and IRA distribution strategies.
Retirement Planning - Includes retirement capital analysis, cash flow planning,
retirement distribution planning, pension income planning and family legacy plan.
Insurance Protection - Includes Long Term health care protection, life insurance (estate
preservation planning) and pension replacement planning.
Estate Planning Services - Includes Estate planning strategies, charitable trust planning
techniques, living trust portfolios.
Downing Street clients who engage with Downing Street Tax Management to prepare tax
returns will enter into a letter engagement with Downing Street Tax Management
specifically for this service. The preparation of tax returns will generate an additional fee
for Downing Street Tax Management. The fee will be determined based on factors including
the complexity of your tax situation and agreed upon deliverables. Fees for these services
are negotiated on a case by case basis typically charged at an hourly rate of $380 and are
separate from the fees you are charged for investment advisory services and planning fees.
You are not obligated to use our firm for tax preparation or bookkeeping services.
The tax return preparation services are separate and distinct from tax planning services that
are included with the investment management fees. Investment management/financial
planning clients are under no obligation to utilize the services of the tax planning (including
preparation of tax returns) division.
Retirement Plan Advisory Fees for Businesses
For Retirement Plan Advisory Services compensation, we charge an annual fee as
negotiated with the client and disclosed in the Retirement Plan Advisory Agreement. The
compensation method is explained and agreed upon in advance before any services are
rendered. Asset based fees will not exceed 0.5% annually or a minimum of $2,500.
Plan advisory services begin with the effective date of the Retirement Plan Advisory
Agreement, which is the date you sign the Retirement Plan Advisory Agreement. For that
calendar quarter, fees will be adjusted pro rata based upon the number of calendar days
in the calendar quarter that the Agreement was effective. Our fee is billed in arrears on
the last business day of the calendar quarter or month as outlined in the Agreement. For
Plans where our fee is billed to the custodian, the fee is deducted directly from the
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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participant accounts. Written authorization permitting us to be paid directly from the
custodial account is outlined in the Agreement.
Either party may terminate the Retirement Plan Advisory Agreement at any time upon
immediate notice. You are responsible to pay for services rendered until the termination
of the Agreement.
Additional Fees and Expenses:
In addition to the advisory fees paid to our Firm, clients may also incur certain charges
imposed by other third parties, such as broker-dealers, custodians, trust companies, banks
and other financial institutions (collectively “Financial Institutions”). These additional
charges may include securities, transaction fees, custodial fees, fees charged by the
Independent Managers, charges imposed directly by a mutual fund or ETF in a client’s
account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund
expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and
electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions. Downing Street’s brokerage practices are described at length in Item 12,
below. Neither our Firm nor its supervised persons accept compensation for the sale of
securities or other investment products. Further, our firm does not share in any of these
additional fees and expenses outlined above.
Retirement Rollover Conflicts of Interest
When we recommend you rollover a retirement account for us to manage, this creates a
financial incentive because we charge a fee for our services. We attempt to mitigate the
conflict of interest by acting in your best interest and applying an impartial conduct
standard to all rollovers. Please note that you are not under any obligation to roll over a
retirement account to an account managed by us.
ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT
We do not charge advisory fees on a share of the capital appreciation of the funds or
securities in a client account (so-called performance-based fees) nor engage side by side
management.
ITEM 7 - TYPES OF CLIENTS
We provide investment advice to individuals, high-net worth individuals, trusts and estates.
We have no minimum initial household value for opening accounts.
ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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We use a long-term, predominately passive investment strategy utilizing fundamental
analysis to focus on matching market performance, keeping costs low, and achieving
appropriate diversification given your risk tolerance, time horizon, and goals.
this
strategy
through a
We use mutual funds and exchange-traded funds with stock and bond holdings to
implement
combination of domestic/international,
small/medium/large market cap stock, and short/medium-term bonds. Funds for REITS
and commodities may also be used in small percentages to increase diversification.
Funds for each asset class are selected based on a number of factors including manager
tenure, manager performance versus benchmarks, cost, historical performance, quantity
of stocks/bonds in the fund, effectiveness of delivering the target asset class, and overlap
with other funds being used.
While we believe our investment strategy is designed to create the best opportunity for
positive investment returns for a given level of risk, it cannot guarantee that an investment
objective or goal will be achieved. Some investment decisions made by us may result in
loss, which may include the original principal amount invested. An investment could lose
money over short or even long periods. A client should expect his/her account value and
returns to fluctuate within a wide range, like the fluctuations of the overall stock and bond
markets.
Downing Street may include mutual funds and exchange traded funds, (“ETFs”) in our
investment strategies. Downing Street policy is to purchase institutional share classes of
those mutual funds selected for the client’s portfolio. The institutional share class generally
has the lowest expense ratio. The expense ratio is the annual fee that all mutual funds or
ETFs charge their shareholders. It expresses the percentage of assets deducted each fiscal
year for funds expenses, including 12b-1 fees, management fees, administrative fees,
operating costs, and all other asset-based costs incurred by the fund. Some fund families
offer different classes of the same fund, and one share class may have a lower expense
ratio than another share class. These expenses come from client assets which could impact
the client’s account performance. Mutual fund expense ratios are in addition to our fee,
and we do not receive any portion of these charges. If an institutional share class is not
available for the mutual fund selected, the adviser will purchase the least expensive share
class available for the mutual fund. As share classes with lower expense ratios become
available, Downing Street may use them in the client’s portfolio, and/or convert the
existing mutual fund position to the lower cost share class. Clients who transfer mutual
funds into their accounts with Downing Street would bear the expense of any contingent
or deferred sales loads incurred upon selling the product. If a mutual fund has a frequent
trading policy, the policy can limit a client’s transactions in shares of the fund (e.g., for
rebalancing, liquidations, deposits or tax harvesting). All mutual fund expenses and fees
are disclosed in the respective mutual fund prospectus.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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When selecting investments for our clients’ portfolios we might choose mutual funds on
your account custodian’s Non-Transaction Fee (NTF) list. This means that your account
custodian will not charge a transaction fee or commission associated with the purchase or
sale of the mutual fund.
The mutual fund companies that choose to participate in your custodian’s NTF fund
program pay a fee to be included in the NTF program. The fee that a mutual fund company
pays to participate in the program is ultimately borne by the owners of the mutual fund
including clients of our Firm. When we decide whether to choose a fund from your
custodian’s NTF list or not, we consider our expected holding period of the fund, the
position size and the expense ratio of the fund versus alternative funds. Depending on our
analysis and future events, NTF funds might not always be in your best interest.
Risk of Loss
Clients must understand that past performance is not indicative of future results.
Therefore, current and prospective clients should never assume that future performance
of any specific investment or investment strategy will be profitable. Investing in securities
involves risk of loss. Further, depending on the different types of investments there will
be varying degrees of risk. Clients and prospective clients should be prepared to bear
investment loss including loss of original principal.
Because of the inherent risk of loss associated with investing, our Firm is unable to
represent, guarantee, or even imply that our services and methods of analysis can or will
predict future results, successfully identify market tops or bottoms, or insulate you from
losses due to market corrections or declines.
Investors should be aware that accounts are subject to the following risks:
Market Risk — Even a long-term investment approach cannot guarantee a profit.
Economic, political and issuer-specific events will cause the value of securities to
rise or fall. Because the value of investment portfolios will fluctuate, there is the
risk that you will lose money and your investment may be worth more or less upon
liquidation.
Foreign Securities and Currency Risk — Investments in international and emerging-
market securities include exposure to risks such as currency fluctuations, foreign
taxes and regulations, and the potential for illiquid markets and political instability.
Capitalization Risk — Small-cap and mid-cap companies may be hindered as a result
of limited resources or less diverse products or services, and their stocks have
historically been more volatile than the stocks of larger, more established
companies.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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Interest Rate Risk — In a rising rate environment, the value of fixed-income
securities generally declines, and the value of equity securities may be adversely
affected.
Credit Risk — Credit risk is the risk that the issuer of a security may be unable to
make interest payments and/or repay principal when due. A downgrade to an
issuer’s credit rating or a perceived change in an issuer’s financial strength may
affect a security’s value and, thus, impact the fund’s performance.
Securities Lending Risk — Securities lending involves the risk that the fund loses
money because the borrower fails to return the securities in a timely manner or at
all. The fund could also lose money if the value of the collateral provided for loaned
securities, or the value of the investments made with the cash collateral, falls.
These events could also trigger adverse tax consequences for the fund.
Exchange-Traded Funds — ETFs face market-trading risks, including the potential
lack of an active market for shares, losses from trading in the secondary markets
and disruption in the creation/redemption process of the ETF. Any of these factors
may lead to the fund’s shares trading at either a premium or a discount to its “net
asset value.”
Performance of Underlying Managers — We select the mutual funds and ETFs in
the asset allocation portfolios. However, we depend on the manager of such funds
to select individual investments in accordance with their stated investment
strategy.
Liquidity Risk - Liquidity risk exists when particular investments would be difficult
to purchase or sell, possibly preventing clients from selling such securities at an
advantageous time or price.
Cybersecurity Risk - In addition to the Material Risks listed above, investing involves
various operational and “cybersecurity” risks. These risks include both intentional
and unintentional events at Downing Street or one of its third-party counterparties
or service providers, that may result in a loss or corruption of data, result in the
unauthorized release or other misuse of confidential information, and generally
compromise our Firm’s ability to conduct its business. A cybersecurity breach may
also result
in a third-party obtaining unauthorized access to our clients’
information, including social security numbers, home addresses, account numbers,
account balances, and account holdings. Our Firm has established business
continuity plans and risk management systems designed to reduce the risks
associated with cybersecurity breaches. However, there are inherent limitations in
these plans and systems, including that certain risks may not have been identified,
in large part because different or unknown threats may emerge in the future. As
such, there is no guarantee that such efforts will succeed, especially because our
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Firm does not directly control the cybersecurity systems of our third-party service
providers. There is also a risk that cybersecurity breaches may not be detected.
ITEM 9 - DISCIPLINARY INFORMATION
We do not have any legal, financial or other “disciplinary” item to report.
ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS
We are not affiliated nor have a material relationship with a broker-dealer,
futures/commodities firm or any another financial industry entities.
Downing Street Tax Management
Certain associated persons with Downing Street are also part of Downing Street Tax
Management. Downing Street Tax Management provides tax assistance. We also offer
tax preparation services. These services include: Individual Tax Preparation and Planning,
Business Start Up, Counsel and Corporate Taxes, Income, Gift and Estate Tax Returns,
Representation before the IRS, Relocation Tax Issues. Fees for these services are typically
charged at an hourly rate of $380.00 an hour.
ITEM 11 - CODE OF ETHICS PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS
AND PERSONAL TRADING
Our Firm and persons associated with us are allowed to invest for their own accounts or to
have a financial investment in the same securities or other investments that we
recommend or acquire for your account and may engage in transactions that are the same
as or different than transactions recommended to or made for your account. This creates
a conflict of interest. We recognize the fiduciary responsibility to act in your best interest
and have established polices to mitigate conflicts of interest.
We have developed and implemented a Code of Ethics that sets forth standards of conduct
expected of our advisory personnel to mitigate this conflict of interest. The Code of Ethics
addresses, among other things, personal trading, gifts, the prohibition against the use of
inside information.
The Code of Ethics is designed to protect our clients to detect and deter misconduct,
educate personnel regarding the firm’s expectations and laws governing their conduct,
remind personnel that they are in a position of trust and must act with complete propriety
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at all times, protect the reputation of Downing Street, guard against violation of the
securities laws, and establish procedures for personnel to follow so that we may determine
whether their personnel are complying with the firm’s ethical principles.
We have established the following restrictions in order to ensure our firm’s fiduciary
responsibilities:
1. A director, officer or employee of Downing Street shall not buy or sell any securities
for their personal portfolio(s) where their decision is substantially derived, in
whole or in part, by reason of his or her employment unless the information is also
available to the investing public on reasonable inquiry. No supervised employee of
Downing Street shall prefer his or her own interest to that of the advisory client.
Trades for supervised employees are traded alongside client accounts.
2. We maintain a list of all securities holdings of anyone associated with this advisory
practice with access to advisory recommendations. These holdings are reviewed
on a regular basis by an appropriate officer/individual of Downing Street.
3. We emphasize the unrestricted right of the client to decline to implement any
advice rendered, except in situations where we are granted discretionary authority
of the client’s account.
4. We require that all supervised employees must act in accordance with all
applicable Federal and State regulations governing registered investment advisory
practices.
5. Any supervised employee not in observance of the above may be subject to
termination.
Integrity: A CFP® Board designee shall offer and provide professional services with
In addition, we adhere to the CFP® Code of Ethics. A summary of the Code of Ethics'
Principles is as follows.
1)
integrity.
2) Objectivity: A CFP® Board designee shall be objective in providing professional services
to clients.
3) Competence: A CFP® Board designee shall provide services to clients competently and
maintain the necessary knowledge and skill to continue to do so in those areas in which
the CFP® Board designee is engaged.
4) Fairness: A CFP® Board designee shall perform professional services in a manner that
is fair and reasonable to clients, principals, partners, and employers, and shall disclose
conflict(s) of interest in providing such services.
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5) Confidentiality: A CFP® Board designee shall not disclose confidential client
information without the specific consent of the client unless in response to proper legal
process, to defend against charges of wrongdoing by the CFP® Board designee, or in
connection with a civil dispute between the CFP® Board designee and client.
6) Professionalism: A CFP® Board designee's conduct in all matter shall reflect credit up
the profession.
7) Diligence: A CFP® Board designee shall act diligently in providing professional services.
You may request a complete copy of our Code of Ethics by contacting us at the telephone
number on the cover page of this Part 2; Attn: Chief Compliance Officer.
ITEM 12 - BROKERAGE PRACTICES
We participate in the Charles Schwab & Co., Inc. Advisor Services (“Schwab”), Jefferson
National, Altruist Financial, LLC and Lincoln Financial (collectively “custodians”). Schwab is
also a registered broker-dealer, member SIPC. Our custodians are independent and
unaffiliated SEC-registered broker-dealer. The custodians offer services to independent
investment advisors that include custody of securities, trade execution, clearance and
settlement of transactions.
There is no direct link between our participation in the program and the investment advice
we give to our clients, although we receive economic benefits through our participation in
the program that are typically not available to any other independent investment advisors
participating in the program. These benefits include the following products and services
(provided without cost or at a discount): receipt of duplicate Client statements and
confirmations; research related products and tools; consulting services; access to a trading
desk serving advisor participants; access to block trading (which provides the ability to
aggregate securities transactions for execution and then allocate the appropriate shares
to Client accounts); the ability to have advisory fees deducted directly from Client
accounts; access to an electronic communications network for Client order entry and
account information; access to mutual funds with no transaction fees and to certain
institutional money managers; and discounts on compliance, marketing, research,
technology, and practice management products or services provided to us by third party
vendors. Our custodians may also have paid for business consulting and professional
services received by some of our related persons. Some of the products and services made
available by our custodians through the program may benefit us but may not benefit your
account. These products or services may assist us in managing and administering your
account, including accounts not maintained by these custodians. Other services made
available by our custodians are intended to help us manage and further develop our
business enterprise. The benefits received by our firm or our personnel through
participation in the program do not depend on the amount of brokerage transactions
directed to the custodian. As part of our fiduciary duties to clients, we endeavor at all
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times to put the interests of our clients first. You should be aware, however, that the
receipt of economic benefits by our Firm or our related persons in and of itself creates a
conflict of interest and may indirectly influence our choice of one of these custodians for
custody and brokerage services.
In the event you request us to recommend a broker/dealer custodian for execution and/or
custodial services, we generally recommend your account to be maintained at one of the
custodians listed. We may recommend that you establish accounts with one of these
custodians to maintain custody of your assets and to effect trades for your accounts. You
are under no obligation to act upon any recommendations, and if you elect to act upon
any recommendations, you are under no obligation to place the transactions through any
broker/dealer we recommend. Our recommendation is generally based on the broker’s
cost and fees, skills, reputation, dependability and compatibility with the client. You may
be able to obtain lower commissions and fees from other brokers and the value of
products, research and services given to us is not a factor in determining the selection of
broker/dealer or the reasonableness of their commissions.
Aggregation and Allocation of Transactions
We may aggregate transactions if we believe that aggregation is consistent with the duty
to seek best execution for our clients and is consistent with the disclosures made to clients
and terms defined in the client Investment Advisory Agreement. No advisory client will be
favored over any other client, and each account that participates in an aggregated order
will participate at the average share price (per custodian) for all transactions in that
security on a given business day.
We will aggregate trades for ourselves or our associated persons with your trades,
providing that the following conditions are met:
1. Our policy for the aggregation of transactions shall be fully-disclosed separately to
our existing clients (if any) and the broker/dealer(s) through which such
transactions will be placed;
2. We will not aggregate transactions unless we believe that aggregation is consistent
with our duty to seek the best execution (which includes the duty to seek best
price) for you and is consistent with the terms of our Investment Advisory
Agreement with you for which trades are being aggregated.
3. No advisory client will be favored over any other client; each client that participates
in an aggregated order will participate at the average share price for all our
transactions in a given security on a given business day, with transaction costs
based on each client’s participation in the transaction;
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4. We will prepare a written statement (“Allocation Statement”) specifying the
participating client accounts and how to allocate the order among those clients;
5. If the aggregated order is filled in its entirety, it will be allocated among clients in
accordance with the allocation statement; if the order is partially filled, the
accounts that did not receive the previous trade’s positions should be “first in line”
to receive the next allocation.
6. Notwithstanding the foregoing, the order may be allocated on a basis different
from that specified in the Allocation Statement if all client accounts receive fair and
equitable treatment and the reason for difference of allocation is explained in
writing and is reviewed by our compliance officer. Our books and records will
separately reflect, for each client account, the orders of which aggregated, the
securities held by, and bought for that account.
7. We will receive no additional compensation or remuneration of any kind as a result
of the proposed aggregation; and
8. Individual advice and treatment will be accorded to each advisory client.
Brokerage for Client Referrals
Our Firm does not receive client referrals from any custodian or third party in exchange for
using that broker-dealer or third party.
Trade Errors
We have implemented procedures designed to prevent trade errors; however, trade errors
in client accounts cannot always be avoided. Consistent with our fiduciary duty, it is our
policy to correct trade errors in a manner that is in the best interest of the client. In cases
where the client causes the trade error, the client will be responsible for any loss resulting
from the correction. Depending on the specific circumstances of the trade error, the client
may not be able to receive any gains generated as a result of the error correction. In all
situations where the client does not cause the trade error, the client will be made whole,
and we will absorb any loss resulting from the trade error if the error was caused by the
firm. If the error is caused by the Custodian, the Custodian will be responsible for covering
all trade error costs. If an investment gain results from the correcting trade, the gain will
be donated to charity. We will never benefit or profit from trade errors.
Directed Brokerage
We do not routinely recommend, request or require that you direct us to execute
transaction through a specified broker dealer. Additionally, we typically do not permit you
to direct brokerage. We place trades for your account subject to our duty to seek best
execution and other fiduciary duties.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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ITEM 13 - REVIEW OF ACCOUNTS
Account Reviews and Reviewers – Investment Supervisory Services
Our Investment Adviser Representatives will monitor client accounts on a regular basis and
perform annual reviews with each client. All accounts are reviewed for consistency with
client investment strategy, asset allocation, risk tolerance and performance relative to the
appropriate benchmark. More frequent reviews may be triggered by changes in an account
holder’s personal, tax or financial status. Geopolitical and macroeconomic specific events
may also trigger reviews.
Statements and Reports
The custodian for the individual client’s account will provide clients with an account
statement at least quarterly. Depending on the client’s needs, various reports are typically
addressed and reviewed at client meetings. Communication to clients will be done on an
as needed basis with a minimum of 1 contact per calendar year. You are urged to compare
the reports provided by Downing Street against the account statements you receive
directly from your account custodian.
Those clients who are exclusively Financial Planning/Consulting clients (i.e. those who have
no assets under management with us in our advisory program) will receive no regular
reports from the Firm.
ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION
Downing Street does not pay referral fees or receive compensation for referrals.
As disclosed under Brokerage Practices, we participate in several custodian’s customer
programs and we may recommend one of these custodians to you for custody and
brokerage services. There is no direct link between our participation in the program and
the investment advice we give to our clients, although we receive economic benefits
through our participation in the program that are typically not available to any other
independent Investment Advisors participating in the program. These benefits include the
following products and services (provided without cost or at a discount): receipt of
duplicate Client statements and confirmations; research related products and tools;
consulting services; access to a trading desk serving advisor participants; access to block
trading (which provides the ability to aggregate securities transactions for execution and
then allocate the appropriate shares to Client accounts); the ability to have advisory fees
deducted directly from Client accounts; access to an electronic communications network
for Client order entry and account information; access to mutual funds with no transaction
fees and to certain institutional money managers; and discounts on compliance,
marketing, research, technology, and practice management products or services provided
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to us by third party vendors. Our custodians may also have paid for business consulting
and professional services received by some of our related persons. Some of the products
and services made available by our custodians through the program may benefit us but
may not benefit your account. These products or services may assist us in managing and
administering your account, including accounts not maintained at one of our custodians.
Other services made available by our custodians are intended to help us manage and
further develop our business enterprise. The benefits received by our Firm or our
personnel through participation in the program do not depend on the amount of
brokerage transactions directed to one of our custodians. As part of our fiduciary duties
to clients, we endeavor at all times to put the interests of our clients first. You should be
aware, however, that the receipt of economic benefits by our Firm or our related persons
in and of itself creates a conflict of interest and may indirectly influence our choice of one
of these custodians for custody and brokerage services.
ITEM 15 – CUSTODY
We do not have physical custody, as it applies to investment advisors. Custody has been
defined by regulators as having access or control over client funds and/or securities.
For all accounts, our firm has the authority to have fees deducted directly from client
accounts. Our firm has established procedures to ensure all client funds and securities are
held by a qualified custodian in a separate account for each client under that client’s name.
Clients or an independent representative of the client will direct, in writing, the
establishment of all accounts and therefore are aware of the qualified custodian’s name,
address and the manner in which the funds or securities are maintained. Finally, account
statements are delivered directly from the qualified custodian to each client, or the client’s
independent representative, at least quarterly. You should carefully review those
statements and are urged to compare the statements against reports received from
Downing Street. When you have questions about your account statements, you should
contact Downing Street or the qualified custodian preparing the statement.
Please refer to Item 5 for more information about the deduction of adviser fees.
At times, we assist some clients with the ability to move money from one account to
another. In these situations, you will sign standing letter of instruction (“SLOAs”) with your
custodian that grants us the ability to facilitate the transfer. When your money is
transferred between accounts with different titles, this is considered a limited from of
custody. In 2017, the SEC issued a no-action letter (“Letter”) with respect to Rule 206(4)-2
(“Custody Rule”) under the Investment Advisers Act of 1940 (“Advisers Act”). We and your
custodian follow the safeguards outlined in the letter. These safeguards include:
The client provides an instruction to the qualified custodian, in writing, that
includes the client’s signature, the third party’s name, and either the third party’s
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address or the third party’s account number at a custodian to which the transfer
should be directed.
The client authorizes the investment adviser, in writing, either on the qualified
custodian’s form or separately, to direct transfers to the third party either on a
specified schedule or from time to time.
The client’s qualified custodian performs appropriate verification of the instruction,
such as a signature review or other method to verify the client’s authorization and
provides a transfer of funds notice to the client promptly after each transfer.
The client can terminate or change the instruction to the client’s qualified
custodian.
The investment adviser has no authority or ability to designate or change the
identity of the third party, the address, or any other information about the third
party contained in the client’s instruction.
The investment adviser maintains records showing that the third party is not a
related party of the investment adviser or located at the same address as the
investment adviser.
The client’s qualified custodian sends the client, in writing, an initial notice
confirming the instruction and an annual notice reconfirming the instruction.
ITEM 16 – INVESTMENT DISCRETION
For discretionary accounts, prior to engaging Downing Street to provide investment
advisory services, you will enter a written Agreement with us granting the firm the
authority to supervise and direct, on an on-going basis, investments in accordance with
the client’s investment objective and guidelines. In addition, you will need to execute
additional documents required by the Custodian to authorize and enable Downing Street,
in its sole discretion, without prior consultation with or ratification by you, to purchase,
sell or exchange securities in and for your accounts. We are authorized, in our discretion
and without prior consultation with you to: (1) buy, sell, exchange and trade any
investment company registered under the Investment Company Act of 1940 and (2)
determine the amount of securities to be bought or sold and (3) place orders with the
custodian. Any limitations to such discretionary authority will be communicated to our
Firm in writing by you, the client.
The limitations on investment and brokerage discretion held by Downing Street for you
are:
1. For discretionary accounts, we require that we be provided with authority to
determine which securities and the amounts of securities to be bought or sold.
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2. Any limitations on this discretionary authority shall be in writing as indicated on the
investment advisory Agreement, Appendix B. You may change/amend these
limitations as required.
In some instance, we may not have discretion. We will discuss all transactions with you
prior to execution or you will be required to make the trades, if in an employer sponsored
account.
ITEM 17 – VOTING YOUR SECURITIES
investments that become the subject of any
legal proceedings,
We will not vote proxies on your behalf. You are welcome to vote proxies or designate an
independent third-party at your own discretion. You designate proxy voting authority in
the custodial account documents. You must ensure that proxy materials are sent directly
to you or your assigned third party. We do not take action with respect to any securities or
including
other
bankruptcies. Clients can contact our office with questions about a particular solicitation
by phone at 720-360-0886.
A class action is a procedural device used in litigation to determine the rights of and
remedies, if any, for large numbers of people whose cases involve common questions of
law and/or fact. Class action suits frequently arise against companies that publicly issue
securities, including securities recommended by investment advisors to clients. With
respect to class action suits and claims, you (or your agent) will have the responsibility for
class actions or bankruptcies, involving securities purchased for or held in your account.
We do not provide such services and are not obligated to forward copies of class action
notices we may receive to you or your agents.
ITEM 18 – FINANCIAL INFORMATION
We do not require or solicit prepayment of more than $500 in fees per client, six months
or more in advance. Therefore, we are not required to include a balance sheet for our
most recent fiscal year. We are not subject to a financial condition that is reasonably likely
to impair our ability to meet contractual commitments to clients. Finally, we have not been
the subject of a bankruptcy petition at any time.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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ITEM 1 – COVER PAGE
Downing Street Wealth Management LLC
Fee Only Financial Planning &
Investment Management
Robert W. Morrison
Form ADV Supplemental Brochure
March 30, 2026
Main Office:
6312 S. Fiddlers Green Cir., Suite 300E
Greenwood Village, CO 80111
Phone: 720-360-0886
Fax: 888-330-9078
E-mail: bob.morrison@downing-st.com
The Brochure Supplement provides information about Robert Morrison that supplements the
Downing Street Wealth Management, LLC (“Downing Street”) Brochures. You should have
received a copy of the Brochures. Please contact Robert Morrison if you did not receive
Downing Street’s Brochure or if you have any questions about the contents of this supplement.
Additional information about Robert Morrison (CRD# 5756962) is available on the SEC’s
website at www.adviserinfo.sec.gov.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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ITEM 2 - EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE
Robert W. Morrison
Born: 1968
Post-Secondary Education:
Metropolitan State College of Denver, Bachelor of Science, Accounting, 1991
Certified Financial Planner (CFP®)1 and Personal Financial Specialists issued by the
American Institute of Certified Public Accountants.
Successfully completed the Uniform Investment Adviser Law Examination, Series
65
Recent Business Experience:
05/2010 – Present: Downing Street Wealth Management, LLC Managing Member
and Financial Advisor
1 Minimum Qualifications for the Certified Financial Planner (CFP®) Designation
Accredited by the National Commission for Certifying Agencies, this designation is issued
by the Certified Financial Planner Board of Standards, Inc. (CFPBS) and is granted to
individuals who meet the following prerequisites: (1) meet the education requirement, (2)
possess a bachelor’s degree from an accredited college or university, (3) pass the CFP®
Certification Examination, (4) have at least three years of full-time work experience in
personal financial planning, and (5) pass the CFPBS Fitness Standards for Candidates and
Registrants and Background Check. The education requirement can be met by completing
a CFPBS registered education program or by applying for challenge status based on certain
degrees or credentials. Once the initial CFP® designation is issued, the CFP® holder is
required to complete 30 hours of continuing education every two years and must meet
other standards administered by the CFPBS.
ITEM 3 - DISCIPLINARY INFORMATION
Mr. Morrison has no history of any legal or disciplinary events that deems to be material
to a client’s consideration of Robert Morrison to act as their investment adviser
representative. FINRA’s BrokerCheck® may have additional information regarding the
disciplinary history of Mr. Morrison that is not included in this brochure supplement. Finra
BrokerCheck®
ITEM 4 - OTHER BUSINESS ACTIVITIES
Mr. Morrison provides tax preparation services through Downing Street Tax Management,
in which he owns. He may recommend tax preparation services to client through Downing
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Street Tax Management. He spends approximately 50% of his time on this activity during
tax season. He receives compensation from this service that is separate from the fees
outlined in Item 5, of the Form ADV Part 2A above. The compensation gives him a financial
incentive to recommend tax preparation services to the client. Mr. Morrison attempts to
mitigate this conflict of interest to the best of his ability by acting in the client’s best
interest and through the implementation of policies and procedures that address the
conflict. Additionally, the client is informed that they always have the right to choose
whether or not to act on the recommendation and they have the right to purchase these
services from any other agency or tax preparer.
ITEM 5 - ADDITIONAL COMPENSATION
Mr. Morrison does not receive any economic benefit for providing advisory services
beyond the scope of Downing Street except for those items listed in Item 4.
ITEM 6 - SUPERVISION
Mr. Morrison is the Chief Compliance Officer of Downing Street Wealth Management and
adheres to the firm’s policies and procedures. His activities are generally supervised in
accordance with the firm’s compliance procedures. Specific areas of review include,
transactions, account suitability and written correspondence, including email, among
other activities. Mr. Morrison may be reached at (720) 360-0886.
Downing Street Wealth Management, LLC – 6312 S. Fiddlers Green Cir., Suite 300E Greenwood Village, CO 80111
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