Robert H. O'Neil

The latest Market Essentials is here. This quarterly resource is intended to break down market movements and trends in a digestible way. The content in this webcast is tailored to the everyday investor who wants to stay informed about what is driving markets without getting bogged down in financial jargon.

Alternative Energy Building Blocks

Revolutionary ways to prevent and treat disease can add decades to people’s lives. Here’s what investors should know about the opportunities in the longevity theme.

Investing in non-U.S. equities may be a smart way to prepare your portfolio for a potential U.S. market pullback.

This inaugural primer provides an introduction to fixed income and especially bonds – their investment properties, role in portfolio construction, and risks associated with major fixed income sectors. We intend to explore these asset classes and key market drivers in a series of primers beginning with this one, a “fixed income 101” overview.

Cash can be viewed as an asset class with varying solutions available to balance your short-term needs alongside your long-term financial goals.

As tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2025 tax tables.

Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.

The Morgan Stanley Mobile App is currently available for iPhone^® and iPad^® from the App StoreSM and AndroidTM on Google PlayTM. Standard messaging and data rates from your provider may apply.

The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.

Not all documents can be accepted into Digital Vault.

With a CashPlus brokerage account, you can manage your cash and get more value, more protection, and a seamless digital experience.

The CashPlus Account is a brokerage account offered through Morgan Stanley Smith Barney LLC. Conditions and restrictions apply.

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

It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.

What may have been considered a sure thing simply isn’t anymore. Americans must rely increasingly on their own devices to save for retirement.

Do you know where your retirement savings are? Consider consolidating your accounts for greater flexibility and a clearer view of your financial picture.

Traditional and Roth IRA owners who are age 70 1/2 or older may make qualified charitable distributions of up to $100,000 per year directly from their IRAs to an eligible organization without incurring any adverse federal income tax consequences. The distribution counts toward meeting any RMDs, but is not included in calculating the individual taxpayer's limitation on charitable deductions in the year the donation was made.

Individual Retirement Accounts (IRAs) play a key role in helping many Americans save for retirement. Knowing when and how to take distributions from your IRA is equally as important as the decisions you make about contributions and investment strategy. You should consider your options carefully and then review your choices on a regular basis with your financial and tax advisors to help make sure your distribution decisions meet all legal requirements and your personal needs too.

Our relationship begins with a thorough understanding of you - your needs, your lifestyle and family, and your goals for the future. This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.

The first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resorces.

The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination. Where are you in your retirement journey?

The lifetime federal estate and gift tax exemption could be halved in 2026. Should you take action before then?

For many individuals, wading into the process of estate planning can feel daunting—the U.S. tax code is complex and there are a myriad of strategies to choose from; how do you determine which is the right fit? The process may be simplified by breaking estate planning into three phases and creating a roadmap through each phase with well tested estate planning tools and techniques.

Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.