Kevin David Cunningham, CFP®
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(651) 215-8475(651) 215-8475
The CSL Group at Morgan Stanley
Direct:
(651) 215-8475(651) 215-8475
Toll-Free:
(800) 421-0018(800) 421-0018
Our Mission Statement
We help clients meet their financial goals through careful planning and smart, highly tax-efficient strategies.
Our story and services
Our story has been the same since we first came together as a team: we look for simple possible solutions to help address complex financial problems. We use our broad understanding of financial products, investments and taxes—along with the top-notch research and support of Morgan Stanley—to help our clients find smart, tax-efficient ways to help achieve their goals. With a focus on asset protection and conservative growth, we provide comprehensive financial and estate planning strategies.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
When it comes to finances, we all have one thing in common: almost every financial decision we make affects our taxes. As financial advisors, that’s why we focus on identifying smart, tax-efficient strategies to help you reach your goals.
To do that, we start by getting to know you—your family, your business, your retirement hopes and dreams. From there, we look at your assets, risks and liabilities to get a complete picture of your financial situation. In addition to identifying potential opportunities and concerns, this in-depth discussion process often helps bring vague objectives into sharper focus. We’re also able to draw on our experience to raise ideas that you may not have considered, such as planning for a grandchild’s tuition costs or a special trip with your extended family.
Once we have the aerial view of your finances and your goals, we use a purposeful, thorough planning process to identify specific strategies to help you get there. As Certified Financial Planners™, we bring broad knowledge and familiarity with a range of tax-efficient products and planning approaches. In addition, we frequently collaborate with CPAs and tax attorneys to streamline the overall process.
Although our client relationships typically begin with just one individual or a married couple, over time they often expand to include children, siblings, even grandchildren. In many instances, we’ve served as a neutral third party to help families resolve complex issues of generational wealth transfer. We take this trust as the highest compliment and strive to continually provide quality guidance and dedicated personal service.
To do that, we start by getting to know you—your family, your business, your retirement hopes and dreams. From there, we look at your assets, risks and liabilities to get a complete picture of your financial situation. In addition to identifying potential opportunities and concerns, this in-depth discussion process often helps bring vague objectives into sharper focus. We’re also able to draw on our experience to raise ideas that you may not have considered, such as planning for a grandchild’s tuition costs or a special trip with your extended family.
Once we have the aerial view of your finances and your goals, we use a purposeful, thorough planning process to identify specific strategies to help you get there. As Certified Financial Planners™, we bring broad knowledge and familiarity with a range of tax-efficient products and planning approaches. In addition, we frequently collaborate with CPAs and tax attorneys to streamline the overall process.
Although our client relationships typically begin with just one individual or a married couple, over time they often expand to include children, siblings, even grandchildren. In many instances, we’ve served as a neutral third party to help families resolve complex issues of generational wealth transfer. We take this trust as the highest compliment and strive to continually provide quality guidance and dedicated personal service.
A FINANCIAL PLAN MADE FOR YOU
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to stay as informed as possible.
2024 Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, The CSL Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
At the CSL Group, we are dedicated to helping you grow and preserve your wealth, while inspiring a level of confidence that enables you to spend less time thinking about your finances and more time enjoying what matters most to you,
Customized Wealth Plan
Your portfolio recommendations will be customized and carefully structured to navigate today's complex markets to help ensure your assets will be there today and for future generations.
World-Class Solutions
We combine the vast resources of a major global firm with the personalized service you would expect from a small investment boutique.
Friendly Boutique-Like Setting
We pride ourselves on being responsive and accessible. We make it easy for you to ask questions to fully understand the details of our wealth management discipline and recommendations.
Your Financial Family
No matter what stage of life you are currently in, we will work tirelessly to earn your trust, so we may proudly be recognized as your "financial family".
Location
380 Saint Peter St
Ste 1000
St. Paul, MN 55102
US
Direct:
(651) 215-8475(651) 215-8475
Toll-Free:
(800) 421-0018(800) 421-0018
Meet The CSL Group
William Style, CFP®
Associate Vice President, Financial Advisor
Phone:
(651) 215-8414(651) 215-8414
Nicholas Rizzo
Client Service Associate
About Kevin David Cunningham
Kevin began his career as a Financial Advisor in 1997. After working at two other firms, he joined Morgan Stanley in 2008.
Kevin graduated from St. John’s University in Collegeville, Minnesota, in 1986 where he met his wife Catherine. In addition to undergraduate degrees in history and a minor in business management..
He and his wife Catherine have three boys, ages 24, 22 and 20. Kevin has volunteered as a Boy Scout leader and as a coach for robotics, baseball and football. In his spare time, he enjoys hunting, fishing and golf.
Kevin graduated from St. John’s University in Collegeville, Minnesota, in 1986 where he met his wife Catherine. In addition to undergraduate degrees in history and a minor in business management..
He and his wife Catherine have three boys, ages 24, 22 and 20. Kevin has volunteered as a Boy Scout leader and as a coach for robotics, baseball and football. In his spare time, he enjoys hunting, fishing and golf.
Securities Agent: NY, AL, ND, NC, CA, WA, IN, GA, AZ, NM, WI, IA, PA, IL, VT, TX, NJ, OR, ID, CT, PR, MA, CO, VA, MN, FL, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1456521
NMLS#: 1456521
About William Style
Bill began his career as a Financial Advisor in 1998. After working at several other firms, he joined Morgan Stanley in 2015.
Prior to 1998, he spent several years as a professional banker. Originally from Green Bay, Wisconsin, he graduated from the College of St. Thomas, in St. Paul, Minnesota, in 1983 with a degree in finance.
Bill and his wife Cindy live in Eagan and have two grown sons. Bill enjoys outdoor sports in all seasons and also attends a variety of indoor fitness classes.
Prior to 1998, he spent several years as a professional banker. Originally from Green Bay, Wisconsin, he graduated from the College of St. Thomas, in St. Paul, Minnesota, in 1983 with a degree in finance.
Bill and his wife Cindy live in Eagan and have two grown sons. Bill enjoys outdoor sports in all seasons and also attends a variety of indoor fitness classes.
Securities Agent: IN, CA, NC, IA, GA, NY, NV, MD, CT, CO, AZ, AR, WI, TX, NJ, FL, OR, ND, MT, MN, IL, VT, VA, NM, MI, ID; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1722152
NMLS#: 1722152
About Nicholas Rizzo
Nicholas graduated from the University of Connecticut with a major in Economics and a minor in Business Administration. Nicholas is originally from the East Coast and made his way to Minnesota back in 2019. He has been in the financial industry for about seven years now, starting his career at Ameriprise.
Nicholas currently lives in Eden Prairie with his fiancée , Haley. Outside of the office Nicholas enjoys playing basketball, tennis and spending time with his fiancée and friends.
Nicholas currently lives in Eden Prairie with his fiancée , Haley. Outside of the office Nicholas enjoys playing basketball, tennis and spending time with his fiancée and friends.
Contact Kevin David Cunningham
Contact William Style
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The CSL Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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.
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 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024)
