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: HI, FL, UT, MT, IN, NY, WA, VA, TX, TN, SC, CO, VT, NE, NC, AZ, GA, OH, MD, MA, CA, PA, ME, CT, OR, NV, MS, IL; 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.
Filing income taxes for many may be seen as a daunting task, but the sooner you get started, the better prepared you’ll be.
As the April 15 federal income tax filing and payment deadline approaches, it may be helpful to review Morgan Stanley’s 2026 Federal Income Tax Tables, and if you haven’t already filed, consider these six tax season tips:
Read the Morgan Stanley 2026 Tax Tables.1. Get Your Paperwork Organized
Tax time can feel overwhelming with all the paperwork involved. To help make the process smoother, ensure you have all your important documents organized before you start filing and work with your tax advisor as early as possible. This way, you can minimize errors and make sure you’re taking full advantage of all available deductions.
The IRS will start accepting returns in early 2026. The documents you may need to file a complete and accurate return include:
-Forms W-2, Forms 1099-NEC (for contract work) and other tax forms showing income earned
-Records of charitable contributions
-Previous-year tax returns
-Records of mortgage interest and property taxes paid
-Any childcare expenses or medical costs
-Social Security members for yourself, your spouse (if filing jointly) and any dependents
-A tax organizer, if you’re working with a tax pro that provides one
Work with your tax professional to determine the specific documents you’ll need to complete your tax return. It’s important to note that if you’ve changed your address or name in the past year, you’ll want to let the IRS and the Social Security Administration know.
The IRS will start accepting returns in early 2026. The documents you may need to file a complete and accurate return include:
-Forms W-2, Forms 1099-NEC (for contract work) and other tax forms showing income earned
-Records of charitable contributions
-Previous-year tax returns
-Records of mortgage interest and property taxes paid
-Any childcare expenses or medical costs
-Social Security members for yourself, your spouse (if filing jointly) and any dependents
-A tax organizer, if you’re working with a tax pro that provides one
Work with your tax professional to determine the specific documents you’ll need to complete your tax return. It’s important to note that if you’ve changed your address or name in the past year, you’ll want to let the IRS and the Social Security Administration know.
2. Consider Maxing Out Tax-Advantaged Accounts Before Tax Day
The 2025 tax year ended December 31, but you still have time before Tax Day 2026 to max out some of your accounts and reduce your taxable income. For example, the deadline to contribute to an individual retirement account (IRA) or a health savings account (HSA) for the 2025 tax year is generally April 15, 2026. That means you may still be able to put more funds in these accounts—up to the IRS 2025 maximums. You should speak to a qualified tax advisor for more information on the applicable contribution rules.
3. Consider Getting Help from a Tax Professional
If your financial situation has grown more complex or you simply prefer some assistance, consider working with a qualified professional at tax time. A tax professional can help you:
-Gather the right tax and financial data from your investment accounts
-Take advantage of any deductions or credits you’re entitled to
-Prepare your income tax returns
-Share advice tailored to your unique financial situation
A tax professional can also provide you with income tax projections, including quarterly estimated payments, reducing the risk of unwanted surprises if your tax situation changes. If you have complex tax planning needs, your Morgan Stanley Financial Advisor can connect you to experienced tax professionals to help optimize your tax strategy.
-Gather the right tax and financial data from your investment accounts
-Take advantage of any deductions or credits you’re entitled to
-Prepare your income tax returns
-Share advice tailored to your unique financial situation
A tax professional can also provide you with income tax projections, including quarterly estimated payments, reducing the risk of unwanted surprises if your tax situation changes. If you have complex tax planning needs, your Morgan Stanley Financial Advisor can connect you to experienced tax professionals to help optimize your tax strategy.
4. Plan for Future Tax Seasons
It’s never too late to start incorporating tax-efficient strategies into your long-term financial plans. By actively managing your taxes throughout the year, you might be able to save more for your goals and keep more of what you earn. For example:
-Tax-loss harvesting is a strategy where you offset federal income taxes on net capital gains via a strategic sale of stock or securities to recognize capital losses, some of which can carry over from a prior year. Excess capital losses may also be used to offset ordinary income up to $3,000 per year ($1,500 if married filing separately).
-Tax-aware asset location involves allocating higher-yield assets to a tax-deferred or tax-exempt account, which may help decrease your current federal taxable income and may help increase your after-tax returns.
-Tax-favorable investment options, such as municipal bonds, are generally exempt from federal (and, in some cases, state and local) taxes. Also consider tax-efficient exchange-traded funds or separately managed accounts.
With Morgan Stanley Total Tax 365, your Financial Advisor has access to a range of tax-smart techniques to help you manage your tax liability and grow your long-term wealth, 365 days a year. Speak with your Morgan Stanley Financial Advisor about how you can incorporate tax-efficient investment strategies into your financial plan today to help you prepare for tomorrow.
Tax-loss harvesting. IRS rules stipulate that if a security is sold by an investor at a tax loss, the tax loss will not be currently usable if the investor has acquired (or has entered into a contract or option on) the same or substantially identical securities 30 days before or after the sale that generated the loss. This so-called “wash sale” rule is applied with respect to all of the investor’s transactions across all accounts.
Read more about Total Tax 365.-Tax-loss harvesting is a strategy where you offset federal income taxes on net capital gains via a strategic sale of stock or securities to recognize capital losses, some of which can carry over from a prior year. Excess capital losses may also be used to offset ordinary income up to $3,000 per year ($1,500 if married filing separately).
-Tax-aware asset location involves allocating higher-yield assets to a tax-deferred or tax-exempt account, which may help decrease your current federal taxable income and may help increase your after-tax returns.
-Tax-favorable investment options, such as municipal bonds, are generally exempt from federal (and, in some cases, state and local) taxes. Also consider tax-efficient exchange-traded funds or separately managed accounts.
With Morgan Stanley Total Tax 365, your Financial Advisor has access to a range of tax-smart techniques to help you manage your tax liability and grow your long-term wealth, 365 days a year. Speak with your Morgan Stanley Financial Advisor about how you can incorporate tax-efficient investment strategies into your financial plan today to help you prepare for tomorrow.
Tax-loss harvesting. IRS rules stipulate that if a security is sold by an investor at a tax loss, the tax loss will not be currently usable if the investor has acquired (or has entered into a contract or option on) the same or substantially identical securities 30 days before or after the sale that generated the loss. This so-called “wash sale” rule is applied with respect to all of the investor’s transactions across all accounts.
5. If You Owe Money, Consider How You'll Pay
If you find yourself owing money instead of receiving a refund, it's important to have a plan in place. If you have the cash and don’t want to risk draining your savings or emergency funds, writing a check may be the easiest option.
If you have a steep tax bill, you may want to look for additional sources of liquidity. One approach is selling individual securities or funds in your portfolio to help raise the cash you need. Be aware of the downsides, including potential income taxes on capital gains, loss of future growth potential and asset-allocation imbalances in your portfolio. Your Morgan Stanley Financial Advisor can help you mitigate these downsides and potentially reduce the taxes you may owe, using our Intelligent Withdrawals tool.
Using a credit card, taking out a loan or paying the IRS in installments are among the other options—each with its own pros and cons. Be sure to think ahead about which payment method may work best for you.
Read more about out Intelligent Withdrawls tool.If you have a steep tax bill, you may want to look for additional sources of liquidity. One approach is selling individual securities or funds in your portfolio to help raise the cash you need. Be aware of the downsides, including potential income taxes on capital gains, loss of future growth potential and asset-allocation imbalances in your portfolio. Your Morgan Stanley Financial Advisor can help you mitigate these downsides and potentially reduce the taxes you may owe, using our Intelligent Withdrawals tool.
Using a credit card, taking out a loan or paying the IRS in installments are among the other options—each with its own pros and cons. Be sure to think ahead about which payment method may work best for you.
6. Think About How You’ll Spend a Refund
If you received a refund last year, you may be looking forward to another one in 2026. Instead of spending it all outright, you may want to consider how to use it to support your long-term financial well-being, for example by:
-Reducing your debt burden: If you’re paying high interest charges on a credit card balance or a consumer loan, it can be difficult to save for longer-term financial goals. Consider using your tax refund to help service your balances with the highest interest charges while paying the minimum on lower-rate debt.
-Preparing for the unexpected: A 2025 Federal Reserve Report on economic well-being of U.S. households found that only 55% of adults have three months of expenses in emergency savings. Consider using your refund to start, or shore up, an emergency fund, with the aim of having at least three to six months of living expenses set aside for a rainy day.
-Adding to your nest egg: When it comes to saving for retirement, every little bit helps. Consider putting some or all your tax refund in your IRA (traditional or Roth), if you haven’t already reached the IRS contribution limits for those accounts for the year. You may also want to consider having less income tax withheld from your paychecks this year. While you may not receive as big a refund (or any refund at all) in 2027, as a result, you’ll be freeing up income to contribute more to your 401(k) throughout the year—and boosting your nest egg in the process. Your tax preparer can help you determine how much to have withheld.
When it comes to taxes, preparing in advance can help you save time and money. Get a jump start on moves you can make today and throughout the year to make tax season as painless as possible.
-Reducing your debt burden: If you’re paying high interest charges on a credit card balance or a consumer loan, it can be difficult to save for longer-term financial goals. Consider using your tax refund to help service your balances with the highest interest charges while paying the minimum on lower-rate debt.
-Preparing for the unexpected: A 2025 Federal Reserve Report on economic well-being of U.S. households found that only 55% of adults have three months of expenses in emergency savings. Consider using your refund to start, or shore up, an emergency fund, with the aim of having at least three to six months of living expenses set aside for a rainy day.
-Adding to your nest egg: When it comes to saving for retirement, every little bit helps. Consider putting some or all your tax refund in your IRA (traditional or Roth), if you haven’t already reached the IRS contribution limits for those accounts for the year. You may also want to consider having less income tax withheld from your paychecks this year. While you may not receive as big a refund (or any refund at all) in 2027, as a result, you’ll be freeing up income to contribute more to your 401(k) throughout the year—and boosting your nest egg in the process. Your tax preparer can help you determine how much to have withheld.
When it comes to taxes, preparing in advance can help you save time and money. Get a jump start on moves you can make today and throughout the year to make tax season as painless as possible.
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.
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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)
