Stuart Sixma, Senior Investment Management Consultant
Senior Vice President-Wealth Management, Financial Advisor
Phone:
(386) 671-2311(386) 671-2311
The Office of Kate Meyering at Morgan Stanley
First Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(386) 671-2355(386) 671-2355
My Mission Statement
We are a comprehensive Wealth Management practice dedicated to designing customized strategies to help build, preserve and protect your wealth by offering the highest level of disciplined financial planning, investment management and client service.
Providing Top Tier Service & Investment Strategies with an Approachable Style
As a Financial Advisor and Financial Planning Specialist with over 35 years of industry experience, 32 of those with Morgan Stanley, I am dedicated to serving high net worth professionals, retirees and families solve their financial challenges by providing highly customized advice.
I began in the financial services business in 1990, joining the Morgan Stanley Ormond Beach office in 1993. I served our Morgan Stanley office in many capacities over the years, from Operations Manager to Portfolio Associate and now by managing our Wealth Management practice. I have continued my focus on developing and offering top tier financial services and strategies that are best suited in meeting each of my client’s very specific wealth management needs. My clients appreciate my approachable style, my discipline in navigating the most challenging of markets and the client experience they have when working with my team.
My husband, Rodney, and I have been long time Ormond Beach residents and have enjoyed raising our daughter in such a wonderful community. We enjoy traveling, reading and spending time with our friends & families.
My Team and I treat our fiduciary obligation to our clients with great respect. We find deep gratitude in our work and enjoy long lasting multi-generational relationships. We function with an approachable style and deep and meaningful client connections. Please take a moment to meet my team, and read about my Key Credentials, below.
Series 3 - National Commodity Futures Licensure, 1992
Series 7 - Securities Representative Licensure, 1996
Series 8 - General Securities Sales Supervisor Licensure, 1996
Series 63 - Uniform Securities Agent State Law Licensure, 1997
Series 65 - Uniform Investment Adviser Law Licensure, 1997
Florida Resident Insurance Health License, 2000
Florida Resident Insurance Life & Variable Annuity License, 2000
SIE - Securities Industry Essentials Licensure, 2018
Morgan Stanley Financial Planning Specialist, 2020
I began in the financial services business in 1990, joining the Morgan Stanley Ormond Beach office in 1993. I served our Morgan Stanley office in many capacities over the years, from Operations Manager to Portfolio Associate and now by managing our Wealth Management practice. I have continued my focus on developing and offering top tier financial services and strategies that are best suited in meeting each of my client’s very specific wealth management needs. My clients appreciate my approachable style, my discipline in navigating the most challenging of markets and the client experience they have when working with my team.
My husband, Rodney, and I have been long time Ormond Beach residents and have enjoyed raising our daughter in such a wonderful community. We enjoy traveling, reading and spending time with our friends & families.
My Team and I treat our fiduciary obligation to our clients with great respect. We find deep gratitude in our work and enjoy long lasting multi-generational relationships. We function with an approachable style and deep and meaningful client connections. Please take a moment to meet my team, and read about my Key Credentials, below.
Series 3 - National Commodity Futures Licensure, 1992
Series 7 - Securities Representative Licensure, 1996
Series 8 - General Securities Sales Supervisor Licensure, 1996
Series 63 - Uniform Securities Agent State Law Licensure, 1997
Series 65 - Uniform Investment Adviser Law Licensure, 1997
Florida Resident Insurance Health License, 2000
Florida Resident Insurance Life & Variable Annuity License, 2000
SIE - Securities Industry Essentials Licensure, 2018
Morgan Stanley Financial Planning Specialist, 2020
Services Include
- 401(k) Rollovers
- Asset Management
- Cash Management and Lending ProductsFootnote1
- Donor Advised Funds
- Endowments and FoundationsFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Fixed IncomeFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Planning for Education FundingFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Trust ServicesFootnote12
- Wealth ManagementFootnote13
Securities Agent: OR, CA, UT, MT, IN, NY, WA, VA, TX, TN, SC, PA, ME, CT, NV, MS, IL, FL, VT, HI, NJ, GA, NE, NC, AZ, CO, OH, MD, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2039098
NMLS#: 2039098
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Do What We Do
A good financial advisor plays a multifaceted role in guiding their clients through the financial aspect of their life’s journey. We understand that life is full of significant milestones—graduations, weddings, new homes, and even the challenging moments like divorces or the loss of a loved one. Our goal is to be by your side, hand in hand, through all these events, ensuring you're prepared in both good times and bad.
In all our relationships, we begin by creating a comprehensive Wealth Management Financial Plan tailored to our clients personal financial goals and risk tolerance. We regularly review their investments and progress, acting as their trusted confidants in major financial decisions, such as retirement and education planning. We also focus on developing tax-efficient strategies to maximize their investments. Our priority is to understand their unique needs and offer personalized advice to help them achieve those objectives.
Let me provide an explanation of what we do for clients and their families while utilizing these essential components involved in constructing a successful investment portfolio.
In all our relationships, we begin by creating a comprehensive Wealth Management Financial Plan tailored to our clients personal financial goals and risk tolerance. We regularly review their investments and progress, acting as their trusted confidants in major financial decisions, such as retirement and education planning. We also focus on developing tax-efficient strategies to maximize their investments. Our priority is to understand their unique needs and offer personalized advice to help them achieve those objectives.
Let me provide an explanation of what we do for clients and their families while utilizing these essential components involved in constructing a successful investment portfolio.
Discovery
What we discover together becomes the foundation of a “big picture” strategy that is based on who you are and where you want to go.
Before we extend any recommendations, we conduct an extensive fact-finding mission to understand your personal goals, investment time horizon, attitude towards risk and other circumstances that may play a role in shaping your investment strategy. During this initial meeting, we mutually determine if our group feels like the right fit for you.
Before we extend any recommendations, we conduct an extensive fact-finding mission to understand your personal goals, investment time horizon, attitude towards risk and other circumstances that may play a role in shaping your investment strategy. During this initial meeting, we mutually determine if our group feels like the right fit for you.
Analytics & Plan Creation
A disciplined investment process is critical to achieving your goals, especially in today’s complex market environment.
We look across our multiple platforms and products to identify the right combination of investments in tandem with the appropriate asset allocations to develop a strategy, unique to you, to accommodate your retirement income needs, other goal objectives and to minimize your tax burden.
We look across our multiple platforms and products to identify the right combination of investments in tandem with the appropriate asset allocations to develop a strategy, unique to you, to accommodate your retirement income needs, other goal objectives and to minimize your tax burden.
Determine Asset Allocation
This involves distributing investments across various asset classes like stocks, bonds, and cash instruments. The goal is to balance risk and reward based on your investment objectives, risk tolerance, and time horizon. Asset allocation is crucial as it significantly influences the portfolio's performance over time.
Make Active-Passive Decisions
o Actively Managed Portfolios: These portfolios require continuous analysis and adjustments by portfolio managers to outperform a specific index.
o Passively Managed Portfolios: These portfolios aim to match an index's performance with minimal changes, offering a straightforward approach for those who prefer simplicity.
o Passively Managed Portfolios: These portfolios aim to match an index's performance with minimal changes, offering a straightforward approach for those who prefer simplicity.
Propose & Establish Manager Selection
Choosing the right portfolio managers is vital to a successful portfolio due to the varied performance among managers. Our Adverse Active Alpha methodology helps identify quality managers by evaluating their performance during challenging periods. This approach covers over 25,000 managers across equity and fixed income classes.
Create a Portfolio Structure with Risk Management
This process involves integrating optimal strategies across asset classes to create a balanced portfolio. It focuses on managing risk and ensuring portfolios align with performance expectations. Regular rebalancing is essential to maintain alignment with your investment goals.
Plan Delivery & Implementation
While your plan is comprehensive, it focuses on your most important priorities first.
After presenting you with our investment recommendations and much discussion, we work closely with you to finalize your customized financial plan and bring those elements of your new strategy to life.
After presenting you with our investment recommendations and much discussion, we work closely with you to finalize your customized financial plan and bring those elements of your new strategy to life.
Monitoring Progress
Ongoing communication is a vital component of any good relationship, and we are committed to a formal meeting schedule to review portfolio performance to keep you on track towards achieving your goals.
Over time, together, we will fine-tune your strategy to reflect the changing priorities in your life and fluctuating market conditions.
Over time, together, we will fine-tune your strategy to reflect the changing priorities in your life and fluctuating market conditions.
Whatever your unique vision for retirement looks like, proactive planning is the first step in bringing it to life.
Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected.
Here are seven steps to help simplify the process.
Here are seven steps to help simplify the process.
1. Draft a list of your assets
A good place to begin is compiling an overview of all of your assets. This will help you take stock of exactly what you have to pass on to heirs and document key information so your family has a record of accounts and property. Specify which assets are held in your name and which are jointly owned, such as a home, car or financial accounts. As you go through this process, touch base with your partner, if you have one, and make note of how you want to bequeath assets.
2. Create a will
A last will and testament is a written document that names an executor who will carry out your wishes. A will includes instructions around the management and distribution of your assets, including real estate, jewelry, cars, art and bank accounts.
If you die without a will, you’ll be considered as dying intestate. In this case, your estate will be distributed based on your state’s intestacy laws—which may not align with your wishes. For example, most states’ intestacy law give your property to closely related relatives. If there are no spouse or children, property may be distributed to more distant relatives.
To learn more about Intestacy Laws, listen to this episode of "What Should I Do With My Money?"If you die without a will, you’ll be considered as dying intestate. In this case, your estate will be distributed based on your state’s intestacy laws—which may not align with your wishes. For example, most states’ intestacy law give your property to closely related relatives. If there are no spouse or children, property may be distributed to more distant relatives.
3. Choose beneficiaries
Selecting beneficiaries and recording how you want your estate to be distributed among them can help prevent a legal battle between your beneficiaries. You can choose multiple beneficiaries and dictate how you want your estate divided up. Many people consider beneficiaries to be loved ones who depend on them financially, like family. If you don’t have direct family, you can name a relative, friend or charitable organization as the beneficiaries of your estate.
4. Name a guardian for young children
If you have children under the age of 18, you should name a guardian in your will. You should name a trusted individual who can care for your minor children. The same guardian or a designated guardian of the property can manage any assets intended for your children until they reach a certain age. Important considerations when choosing a guardian include age, health and location. You’ll also want to be mindful of who is best suited to raise your children and manage property for them. If you don’t choose a guardian before your death, a court will decide.
5. Plan for medical and financial decisions
Select an agent or agents to help make medical and financial decisions for you in the event you become incapacitated. This can be accomplished through a healthcare power of attorney and a financial power of attorney. In these roles, the healthcare agent can make medical decisions and the attorney-in-fact can make financial decisions on your behalf if you’re unable to communicate your wishes.
You might also consider creating a living will, which allows you to give specific guidance to your healthcare agent, doctors and other caregivers, including your intentions for treatment based on your preferred quality of life or religious beliefs.
You might also consider creating a living will, which allows you to give specific guidance to your healthcare agent, doctors and other caregivers, including your intentions for treatment based on your preferred quality of life or religious beliefs.
6. Set up a trust
A trust is similar to a will but offers a more flexible and effective way to manage and distribute your assets. For example, in a trust you can dictate when and in what amount assets are to be distributed to beneficiaries.
A trust can be revocable or irrevocable:
•During your life, you can transfer assets into a revocable living trust and amend it; however, it does not offer tax or asset protection advantages during your lifetime. Upon death, a revocable trust becomes irrevocable, which means it cannot be easily amended or revoked.
•An irrevocable trust created during your lifetime may allow for the reduction in certain tax liabilities, the protection of assets from future creditors and leave assets in further trusts for a surviving beneficiary.
To learn more about trusts, click here.A trust can be revocable or irrevocable:
•During your life, you can transfer assets into a revocable living trust and amend it; however, it does not offer tax or asset protection advantages during your lifetime. Upon death, a revocable trust becomes irrevocable, which means it cannot be easily amended or revoked.
•An irrevocable trust created during your lifetime may allow for the reduction in certain tax liabilities, the protection of assets from future creditors and leave assets in further trusts for a surviving beneficiary.
7. Plan for estate taxes
Depending on the size of your estate, your assets may be subject to taxes upon your death. To help lessen the estate tax burden, you may want to consider the following strategies:
Gifting: Gifting assets while you’re alive may reduce the size of your eventual estate and alleviate future estate taxes.
Philanthropy: Donating assets to charities or foundations allows you to contribute to organizations that you care about while also reducing the size of your estate thereby reducing any future estate tax. Such donations may also lessen your income tax burden. Consider contributing to a donor advised fund (DAF), such as the Morgan Stanley Global Impact Fund (GIFT). As a public charity managed by Morgan Stanley, you can donate and receive an immediate federal income tax deduction.
After working hard to build your wealth, it’s important to protect your legacy and plan for what happens to your assets when you die. Consulting with a Morgan Stanley Financial Advisor or Private Wealth Advisor can ease the process and alleviate additional pressure or heartache for your family.
To learn more about Morgan Stanley GIFT, click here.Gifting: Gifting assets while you’re alive may reduce the size of your eventual estate and alleviate future estate taxes.
Philanthropy: Donating assets to charities or foundations allows you to contribute to organizations that you care about while also reducing the size of your estate thereby reducing any future estate tax. Such donations may also lessen your income tax burden. Consider contributing to a donor advised fund (DAF), such as the Morgan Stanley Global Impact Fund (GIFT). As a public charity managed by Morgan Stanley, you can donate and receive an immediate federal income tax deduction.
After working hard to build your wealth, it’s important to protect your legacy and plan for what happens to your assets when you die. Consulting with a Morgan Stanley Financial Advisor or Private Wealth Advisor can ease the process and alleviate additional pressure or heartache for your family.
Tools & Resources for Modern Wealth
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of, including:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Morgan Stanley Online- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Financial Planning Tools
Our Goals Planning System (GPS) is built on Morgan Stanley's intellectual capital and capabilities, to provide you with investing and financial planning solutions for your individual goals.
We also offer LifeView - a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
GPSWe also offer LifeView - a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Digital VaultKeeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Cybersecurity
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
Cybersecurity Checklist
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC WeeklyLocation
285 Clyde Morris Blvd
Ste 100
Ormond Beach, FL 32174
US
Direct:
(386) 671-2355(386) 671-2355
Meet My Team
Susan Frazier
Registered Client Service Associate
Phone:
(386) 671-2328(386) 671-2328
About Stuart Sixma
Stuart Sixma has been employed with Morgan Stanley in Ormond Beach for over 38 years and has established a very successful high net worth client based practice.
He has enjoyed working with many of the not for profit organizations in the area and has served on a number of Local and County board positions.
He has enjoyed working with many of the not for profit organizations in the area and has served on a number of Local and County board positions.
Securities Agent: UT, NV, NC, VA, VT, HI, CO, CA, PA, TN, SC, IN, GA, MD, MA, OH, NJ, MT, NE, MS, ME, TX, NY, FL, AZ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Susan Frazier
Susan assists in all phases of Financial Services for our Team while providing an excellent Client Experience. She provides an extensive range of administrative assistance in support of our practice’s operations and is the first point of contact for many client inquiries. Susan is integral to the success of our Team as well as our clients’ financial growth.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Robert Mickler
Private Banker
Rachael Crapsi, CFP®, CPWA®
Financial Planning Director, Vice President
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
About Rachael Crapsi
Rachael Crapsi, CFP®, CPWA® is a financial planning director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping financial advisors with their clients’ financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning, and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning, and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact The Office of Kate Meyering at Morgan Stanley today.
1Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
