Executive Director, Financial Advisor, Alternative Investments Director, Portfolio Management Director
Phone:
(407) 849-4792(407) 849-4792
The Accelerando Group at Morgan Stanley
Our Mission Statement
Similarly to a conductor of music, the Accelerando Group strives to bring various resources together in order to create one definable picture focused entirely on the needs of our clients and their family. With all of the distractions our clients face in their daily lives, providing harmony and consistency of service is the key goal for The Accelerando Group.
Our Story and Services
At our firm, we believe that financial well-being is about more
than just understanding complex financial markets. It's about
recognizing how finances impact our clients on a personal and
practical level.
Our dedicated team works to bring together various resources,
creating a clear and customized financial plan that focuses
entirely on our clients' needs and the well-being of their families.
We understand that life can be overwhelming, which is why our
main goal is to provide a sense of harmony and consistency in the
service we offer. Our commitment is to empower our clients and
help them achieve an increased comfort level.
Drawing inspiration from the conductor of an orchestra, our
group is dedicated to orchestrating a harmonious collaboration of
diverse resources together, to create one definable picture
focused entirely on the needs of our clients and their family. In a
world filled with constant distractions, we aim to simplify the
complexities of finance and deliver an unparalleled experience
that helps ensure our clients' financial well-being.
than just understanding complex financial markets. It's about
recognizing how finances impact our clients on a personal and
practical level.
Our dedicated team works to bring together various resources,
creating a clear and customized financial plan that focuses
entirely on our clients' needs and the well-being of their families.
We understand that life can be overwhelming, which is why our
main goal is to provide a sense of harmony and consistency in the
service we offer. Our commitment is to empower our clients and
help them achieve an increased comfort level.
Drawing inspiration from the conductor of an orchestra, our
group is dedicated to orchestrating a harmonious collaboration of
diverse resources together, to create one definable picture
focused entirely on the needs of our clients and their family. In a
world filled with constant distractions, we aim to simplify the
complexities of finance and deliver an unparalleled experience
that helps ensure our clients' financial well-being.
Services Include
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Cash ManagementFootnote3
- Defined Contribution PlansFootnote4
- Estate Planning StrategiesFootnote5
- Life InsuranceFootnote6
- Financial PlanningFootnote7
- Qualified Retirement PlansFootnote8
- AnnuitiesFootnote9
- 529 PlansFootnote10
- Trust ServicesFootnote11
- UGMA/UTMAFootnote12
- Asset Management
- Endowments and FoundationsFootnote13
- Exchange Traded FundsFootnote14
- Fixed IncomeFootnote15
- Philanthropic ManagementFootnote16
- Wealth PlanningFootnote17
- Sustainable InvestingFootnote18
- Professional Portfolio ManagementFootnote19
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
As Wealth Grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connection across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
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Alternative Investments
Morgan Stanley's Global network affords us the ability to offer suitable clients a wide array of alternative investments to consider - from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
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Cash Management Services
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Learn MoreRESOURCES AND RESEARCH
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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The Global Investment Committee: On The Markets Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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The Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn More
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Learn MoreModern Wealth Management Tools And Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn More About Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world's largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage your Risk
Cybersecurity and Fraud Prevention
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our extensive security measures and take advantage of our numerous resources and ideas to help you stay protected online.
Learn More about Managing Cybersecurity
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption. 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.
Learn More
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedPlanning For Your Family Financial Needs
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities. Our Family Office services will help you manage the complex, multigenerational challenges of managing significant wealth.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
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Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan. The key for boosting long-term investment returns is being smart about tax efficiency.
Learn MoreIntergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Learn MoreLocation
201 E. Pine Street
Ste 1100
Orlando, FL 32801
US
Direct:
(407) 849-4792(407) 849-4792
2 North Tamiami Trail
Suite 1100
Sarasota, FL 34236
US
Direct:
(407) 849-4700(407) 849-4700
Meet The Accelerando Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Alternative Investments Director
Phone:
(941) 363-8508(941) 363-8508
Phone:
(941) 364-3552(941) 364-3552
Phone:
(941) 364-3536(941) 364-3536
Phone:
(941) 363-8502(941) 363-8502
Henley Ridore
Portfolio Associate
Phone:
(407) 849-4701(407) 849-4701
Mitchell Schiller
Registered Client Service Associate
Tonya Andrello
Senior Registered Client Service Associate
Phone:
(941) 364-3518(941) 364-3518
About Edward Ho
Edward Ho is an Alternative Investments Director and CERTIFIED INVESTMENT MANAGEMENT ANALYST® at Morgan Stanley. With more than 25 years of experience in the financial services industry, Edward focuses on delivering a core financial plan for his clients that is then backfilled by the appropriate investments to help ensure the client meets their financial goal.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to help ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to help ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Securities Agent: GA, AR, DE, CA, OR, NC, LA, IL, MN, MI, KY, AL, FL, TN, RI, NY, MT, VT, VA, UT, TX, NJ, IN, CT, CO, SC, WV, WA, OH, NH, MO, ME, MA, KS, IA, DC, AZ, WI, PA, MD, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1597627
NMLS#: 1597627
About Jean-Pierre Gobic
JP was born in Manhattan, NY. He studied undergraduate at Adelphi University in Garden City, NY and graduate at Fordham University in Bronx, NY. He moved to Sarasota in 1999 with his wife and son.
In Sarasota, JP began his financial career with Merrill Lynch. In 2001 he transitioned to UBS Financial Services where he practiced wealth management while focusing on the specialized needs of affluent families. During his tenure with UBS his practice evolved from traditional financial advisory services to incorporate institutional investments such as Hedge Funds and Private Equity Funds in his clients’ portfolios. In 2010, JP progressed to Morgan Stanley in order to provide his clients with team-based wealth management and comprehensive financial services which include family wealth preservation and multigenerational legacy planning.
During his time off work he enjoys mountain biking, skiing, sporting clays, fishing and taking their dogs to the park. JP is proud to give back to the community as a Rotarian with the Sarasota Rotary Club.
In Sarasota, JP began his financial career with Merrill Lynch. In 2001 he transitioned to UBS Financial Services where he practiced wealth management while focusing on the specialized needs of affluent families. During his tenure with UBS his practice evolved from traditional financial advisory services to incorporate institutional investments such as Hedge Funds and Private Equity Funds in his clients’ portfolios. In 2010, JP progressed to Morgan Stanley in order to provide his clients with team-based wealth management and comprehensive financial services which include family wealth preservation and multigenerational legacy planning.
During his time off work he enjoys mountain biking, skiing, sporting clays, fishing and taking their dogs to the park. JP is proud to give back to the community as a Rotarian with the Sarasota Rotary Club.
Securities Agent: MD, HI, DC, WV, SC, OH, CT, CO, WA, NH, ME, UT, MA, CA, AZ, AL, VA, TN, IA, RI, OR, LA, IL, MN, TX, NY, GA, DE, PA, NJ, NC, MT, MI, IN, FL, KY, KS, WI, VT, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1398719
NMLS#: 1398719
About Edward Paul Magda
Edward Magda is a Financial Advisor and Fixed Income Portfolio Manager with The Accelerando Group, bringing more than 30 years of experience across the fixed income markets. He partners with individuals, families, and family offices to help design and manage fixed income portfolios that align with each client’s objectives—whether the priority is income generation, capital preservation, tax efficiency, or risk-managed diversification.
Ed joined The Accelerando Group in 2015 after spending five years on Morgan Stanley’s bond trading desk in New York, where he developed deep, real-time perspective on market structure, liquidity, and relative value across sectors. His background blends institutional-grade market experience with a wealth-management focus, enabling him to translate complex fixed income opportunities into clear, actionable strategies for clients.
Prior to Morgan Stanley, Ed was a portfolio manager and trader at Franklin Templeton, managing municipal bond portfolios for ultra-high-net-worth clients and family offices. Earlier, he held similar roles at U.S. Trust and Oppenheimer Capital, where he managed both taxable and tax-exempt fixed income assets, including customized portfolios built around client-specific cash-flow needs, duration targets, and tax considerations.
Ed began his career in 1990 on the commodities desk at Bank of Tokyo, trading financial futures and options for institutional accounts—an early foundation that sharpened his risk-management discipline and appreciation for how macroeconomic forces can influence markets.
Ed joined The Accelerando Group in 2015 after spending five years on Morgan Stanley’s bond trading desk in New York, where he developed deep, real-time perspective on market structure, liquidity, and relative value across sectors. His background blends institutional-grade market experience with a wealth-management focus, enabling him to translate complex fixed income opportunities into clear, actionable strategies for clients.
Prior to Morgan Stanley, Ed was a portfolio manager and trader at Franklin Templeton, managing municipal bond portfolios for ultra-high-net-worth clients and family offices. Earlier, he held similar roles at U.S. Trust and Oppenheimer Capital, where he managed both taxable and tax-exempt fixed income assets, including customized portfolios built around client-specific cash-flow needs, duration targets, and tax considerations.
Ed began his career in 1990 on the commodities desk at Bank of Tokyo, trading financial futures and options for institutional accounts—an early foundation that sharpened his risk-management discipline and appreciation for how macroeconomic forces can influence markets.
Securities Agent: IA, KS, NJ, KY, FL, CT, AR, MD, HI, AZ, WV, MT, IL, WA, OR, NH, MA, GA, CA, AL, VA, SC, PA, NY, NC, MN, IN, DE, WI, TN, RI, OH, MO, DC, UT, TX, ME, LA, CO, PR, VT, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1428654
CA Insurance License #: OL75677
NMLS#: 1428654
CA Insurance License #: OL75677
About Joe Dean
Joe joined Morgan Stanley as a Financial Advisor and Financial Planning Specialist after a 26-year career in finance and accounting including the Chief Financial Officer position for several public and private companies in Southwest Florida. His focus is on Financial Planning, Portfolio Risk Analysis, Separately Managed Accounts, and Alternative Investments.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Securities Agent: MN, KY, NJ, KS, DC, VT, MD, DE, CO, NY, MT, MA, AR, WA, PA, CA, WI, UT, TN, MO, ME, LA, IA, HI, FL, AZ, AL, WV, VA, RI, IN, IL, GA, NC, CT, MI, TX, SC, OR, OH, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262129
NMLS#: 1262129
About Christine Ihrig Hicks
Christine began her Financial Services career in 2000 at Legacy PaineWebber which was acquired by UBS Financial Services. Prior to starting in the financial services industry, she managed a small business for many years.
She joined Morgan Stanley* in 2008 where she is a Vice President Financial Advisor. She focuses on helping clients define their goals, life expectations, cash flow needs and risk tolerance, and then helps them develop an investment strategy focused on their objectives.
Christine and their team The Sarasota Bay Group focus their practice not only on personal accounts but also corporate retirement plans, retirement IRA rollovers as well as wealth transfer, business legacy planning, life insurance and annuities.
Christine is a native of Sarasota, Florida and enjoys spending time with her husband Scott, their sons Brady and Brent and their families. She is a member of the Women’s Leadership Council of the Boys and Girls Clubs as well as an active member in the community. She currently holds her Series 7, 63, 31, Heath, Life & Variable Annuity licenses.
She joined Morgan Stanley* in 2008 where she is a Vice President Financial Advisor. She focuses on helping clients define their goals, life expectations, cash flow needs and risk tolerance, and then helps them develop an investment strategy focused on their objectives.
Christine and their team The Sarasota Bay Group focus their practice not only on personal accounts but also corporate retirement plans, retirement IRA rollovers as well as wealth transfer, business legacy planning, life insurance and annuities.
Christine is a native of Sarasota, Florida and enjoys spending time with her husband Scott, their sons Brady and Brent and their families. She is a member of the Women’s Leadership Council of the Boys and Girls Clubs as well as an active member in the community. She currently holds her Series 7, 63, 31, Heath, Life & Variable Annuity licenses.
Securities Agent: IN, PA, OH, NC, MI, NY, ME, LA, AR, IA, WV, OR, NJ, DE, WY, WA, NH, GA, WI, TN, KS, DC, SC, MD, KY, FL, CT, CO, VT, MO, MN, MA, IL, AL, VA, MT, CA, RI, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282959
CA Insurance License #: OD74672
NMLS#: 1282959
CA Insurance License #: OD74672
About Henley Ridore
Henley Ridore is a Portfolio Associate at Morgan Stanley, where he has supported clients and advisors since 2021. He earned a B.S. in Health Service Administration from the University of Central Florida and an MBA with a specialization in Finance from The University of Texas Permian Basin. Prior to joining Morgan Stanley, Henley served as a Registered Relationship Banker at Wells Fargo.
In his current role, Henley is focused on building and maintaining strong client relationships through proactive communication and a high-touch service model. He supports the full client lifecycle, including onboarding and account maintenance, trade execution, and day-to-day service needs. Henley also assists with portfolio reviews and participates in the financial planning process, helping ensure client information, documentation, and service deliverables remain accurate, current, and aligned with applicable policies and regulatory requirements. Henley holds FINRA Series 6, 7, 63, and 66 registrations.
Outside of work, Henley enjoys reading—particularly the work of Ryan Holiday, including The Obstacle Is the Way—as well as jogging and taking frequent road trips with his wife.
Areas of Focus:
Relationship Management
Portfolio Reviews & Financial Planning Support
Operational Support
Risk & Compliance
Trading
In his current role, Henley is focused on building and maintaining strong client relationships through proactive communication and a high-touch service model. He supports the full client lifecycle, including onboarding and account maintenance, trade execution, and day-to-day service needs. Henley also assists with portfolio reviews and participates in the financial planning process, helping ensure client information, documentation, and service deliverables remain accurate, current, and aligned with applicable policies and regulatory requirements. Henley holds FINRA Series 6, 7, 63, and 66 registrations.
Outside of work, Henley enjoys reading—particularly the work of Ryan Holiday, including The Obstacle Is the Way—as well as jogging and taking frequent road trips with his wife.
Areas of Focus:
Relationship Management
Portfolio Reviews & Financial Planning Support
Operational Support
Risk & Compliance
Trading
About Mitchell Schiller
Mitchell is a recent graduate from the University of South Florida where he received his Bachelors of Science in Finance with a concentration in Investment Analysis. Mitchell is dually licensed with his Series 7 and Series 66. His official role is a Registered Client Service Associate as he will be supporting the Accelerando Group.
In his off-time, Mitchell enjoys being outdoors. He proactively indulges in golf, wakeboarding, snow-boarding, working out, attending live concerts, walking his miniature Dachshund, Gus, or you might often catch him and his Fiancée at Disney World getting their daily steps in. Whatever it may be, Mitchell plans to live every day to the fullest.
In his off-time, Mitchell enjoys being outdoors. He proactively indulges in golf, wakeboarding, snow-boarding, working out, attending live concerts, walking his miniature Dachshund, Gus, or you might often catch him and his Fiancée at Disney World getting their daily steps in. Whatever it may be, Mitchell plans to live every day to the fullest.
About Tonya Andrello
Tonya joins us with over 18 years of experience in the finance industry. Her background in customer service brings a passion for building lasting relationships, fostering team collaboration, and delivering exceptional service to drive customer loyalty.
She is originally from Central New York and relocated to Sarasota in 1993. In her free time, she likes to help “Keep Sarasota Beautiful” through participating and volunteering in the local community. She also is an active volunteer in a local non-profit, Mother’s helping Mother’s. Other hobbies include yard work, biking, and travel.
She is originally from Central New York and relocated to Sarasota in 1993. In her free time, she likes to help “Keep Sarasota Beautiful” through participating and volunteering in the local community. She also is an active volunteer in a local non-profit, Mother’s helping Mother’s. Other hobbies include yard work, biking, and travel.
Contact Edward Ho
Contact Jean-Pierre Gobic
Contact Edward Paul Magda
Contact Joe Dean
Contact Christine Ihrig Hicks
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
Ughwe Oghojafor
Planning Associate
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
About Ughwe Oghojafor
Ughwe Oghojafor is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Ughwe provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Hunter College and received the Financial Planning Specialist® designation from the College for Financial Planning. Ughwe is originally from Brooklyn, New York and currently resides in Hoboken, New Jersey.
He earned his undergraduate degree from Hunter College and received the Financial Planning Specialist® designation from the College for Financial Planning. Ughwe is originally from Brooklyn, New York and currently resides in Hoboken, New Jersey.
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.
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.
When 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.
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.
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.
When 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.
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1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
3Morgan 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
4When 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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.
12Morgan 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 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.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
17Morgan 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.
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.
18Investing 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.
19Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
3Morgan 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
4When 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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.
12Morgan 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 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.
14An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
17Morgan 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.
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.
18Investing 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.
19Morgan 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.
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)
