Phone:
(386) 671-2307(386) 671-2307
The Everest Group at Morgan Stanley
Direct:
(386) 671-2314(386) 671-2314
Toll-Free:
(800) 824-1391(800) 824-1391
Our Mission Statement
Providing experience, intellectual capital, and a dedicated wealth management team that consistently delivers exceptional personalized service to our clients and their families is the core of what we do.
Welcome
We understand that wealth management is not just about resources and capability. It is about how we use those resources; with creativity, innovation and flexibility.
Our clients can expect to receive the utmost in personalized attention and tailored financial service. In addition to an attentive staff you get a team of Financial Advisors whose advice is based on knowledge of the markets as well as a full understanding of your investment objectives.It is important to manage our client's wealth, not merely their investments. By taking a wealth management approach, we help you determine what's really important to you, then develop a comprehensive plan that addresses:
Our clients can expect to receive the utmost in personalized attention and tailored financial service. In addition to an attentive staff you get a team of Financial Advisors whose advice is based on knowledge of the markets as well as a full understanding of your investment objectives.It is important to manage our client's wealth, not merely their investments. By taking a wealth management approach, we help you determine what's really important to you, then develop a comprehensive plan that addresses:
- Income and Cash Flow: We will map out a course to help you achieve the income you will need when you need it.
- Borrowing: We believe that how you invest and how you borrow are linked. Borrowing strategically can help you spend what you need to spend instead of spending what you need to invest.
- Asset Protection Strategies: By understanding the lifestyle you enjoy and the one you're building toward, we can see the possible threats against it (taxes, inflation, volatility, creditor's lawsuits, identity theft, tragedy) and help you plan for and deal with them.
- Wealth Transfer: We will work with you on trust and estate planning strategies, charitable giving, business succession and funding for estate taxes.
- Investment Management: Based on your financial status today, we will help you calculate the returns necessary to achieve your future goals. We will then craft an investment program designed to help you reach your goals and implement the plan using one of the most powerful and intelligent investment platforms in the world.
- Business Strategies: If you own a business, we can offer a range of financing options and capital structures to support the growth of your business, advise you on your current debt structures and cash management, and help you establish a retirement plan for yourself and your employees.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Asset Management
- Cash ManagementFootnote6
- Life InsuranceFootnote7
- Fixed IncomeFootnote8
- Corporate BondsFootnote9
- Municipal BondsFootnote10
- AnnuitiesFootnote11
- Donor Advised Funds
- Long-term Care InsuranceFootnote12
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Wealth Management Process
We understand that wealth management is not just about resources and capability. It is about how we use those resources; with creativity, innovation and flexibility.
Our clients can expect to receive the utmost in personalized attention and tailored financial service. In addition to an attentive staff you get a team of Financial Advisors whose advice is based on knowledge of the markets as well as a full understanding of your investment objectives. It is important to manage our client's wealth, not merely their investments.
Our clients can expect to receive the utmost in personalized attention and tailored financial service. In addition to an attentive staff you get a team of Financial Advisors whose advice is based on knowledge of the markets as well as a full understanding of your investment objectives. It is important to manage our client's wealth, not merely their investments.
Introductory and Discovery Meeting
Our relationship begins with an initial discussion aimed
towards getting to know you, your lifestyle, and your
future goals. We will work together to review your short term and long term financial goals and to get a complete picture of your assets, liabilities, income, and expenses in order to help you achieve the financial outcome you envision for yourself.
towards getting to know you, your lifestyle, and your
future goals. We will work together to review your short term and long term financial goals and to get a complete picture of your assets, liabilities, income, and expenses in order to help you achieve the financial outcome you envision for yourself.
Financial Planning
We believe you need a financial plan and your financial goals defined before we deal with your investments. Our big picture approach to the financial planning process links all of your planning areas together to offer you sound and cohesive strategies on how to achieve your financial objectives.
Implementation
Using your financial plan as a benchmark, our team works on building a customized portfolio for you that is tax smart, value priced and risk managed. We assess the strategies that can help accomplish your goals and remove your obstacles, accounting for essential factors such as your appetite for risk, investment timeline, and return needs.
Monitoring and Performance Tracking
As we continuously monitor your assets and performance, we will work with you to connect on a regular basis to report to you, offer meetings, calls, emails. This also includes monitoring of your financial plan. As you age and things change; we will adapt the plan to reflect your changing needs. We also want to hear from you in between meetings and encourage you to call us whenever you face a life change, a big expenditure, a concern about market performance, or any financial questions.
Get Started
To get your financial plan started, please reach out by
sending us an email which can be found on the home
page.
sending us an email which can be found on the home
page.
60 Thins We Do For Clients
Planning
1. Help you determine where you are and where you want to be
2. Guide you to think about things you may not have considered
3. Help you prioritize financial opportunities
4. Study alternatives to help you meet your goals
5. Help you implement recommendations
6. Explain the benefits of a living trust and other types of trust
7. Guide you in your estate planning stress
8. Work with your attorney to draft estate planning documents
9. Transfer assets into your trusts
10. Help you analyze, consolidate and organize your assets
11. Review your life insurance policies
12. Review and analyze your beneficiary choices
13. Plan for the education of your children or grandchildren
14. Persuade you to do what you need to do, and help you stay calm and on course
2. Guide you to think about things you may not have considered
3. Help you prioritize financial opportunities
4. Study alternatives to help you meet your goals
5. Help you implement recommendations
6. Explain the benefits of a living trust and other types of trust
7. Guide you in your estate planning stress
8. Work with your attorney to draft estate planning documents
9. Transfer assets into your trusts
10. Help you analyze, consolidate and organize your assets
11. Review your life insurance policies
12. Review and analyze your beneficiary choices
13. Plan for the education of your children or grandchildren
14. Persuade you to do what you need to do, and help you stay calm and on course
Taxes
1. Try to lower your tax bill
2. Analyze portfolio structure to optimize tax laws
3. Work with your tax and legal advisors
4. Manage tax-advantaged and tax-free investments
5. Explain strategies to benefit from tax law changes
6. Share third party analysis from tax law experts
7. Remind you to stay current with required distributions
8. Calculate required distributions to avoid tax penalties
2. Analyze portfolio structure to optimize tax laws
3. Work with your tax and legal advisors
4. Manage tax-advantaged and tax-free investments
5. Explain strategies to benefit from tax law changes
6. Share third party analysis from tax law experts
7. Remind you to stay current with required distributions
8. Calculate required distributions to avoid tax penalties
Investing
1. Stay current on markets
2. Provide research
3. Answer questions about investments you hear or read about
4. Evaluate outside holdings
5. Provide perspective
6. Provide cash flow analysis and safe spending rates
7. Analyze mutual funds, ETFs and closed-end funds
8. Review your current annuities
9. Review your 401(k) investment choices
10. Consolidate your IRAs
11. Measure and report on risk and return
12. Attempt to provide lifetime income
13. Explain and manage the risk in your fixed income portfolios
14. Handle exchanges, tenders and special stock dividends
15. Research and record your cost basis
16. Do comprehensive portfolio reviews
17. Provide sector analysis
18. Provide third party technical research and analysis
19. Provide alternative investment options
20. Provide executive services on restricted stock and stock options
21. Provide access to global institutional money managers
22. Provide assistance in accessing online services
2. Provide research
3. Answer questions about investments you hear or read about
4. Evaluate outside holdings
5. Provide perspective
6. Provide cash flow analysis and safe spending rates
7. Analyze mutual funds, ETFs and closed-end funds
8. Review your current annuities
9. Review your 401(k) investment choices
10. Consolidate your IRAs
11. Measure and report on risk and return
12. Attempt to provide lifetime income
13. Explain and manage the risk in your fixed income portfolios
14. Handle exchanges, tenders and special stock dividends
15. Research and record your cost basis
16. Do comprehensive portfolio reviews
17. Provide sector analysis
18. Provide third party technical research and analysis
19. Provide alternative investment options
20. Provide executive services on restricted stock and stock options
21. Provide access to global institutional money managers
22. Provide assistance in accessing online services
Holistic Care ~ Our Pledge to You
1. We care about your wealth AND your well-being
2. We care about and monitor changes in your life and family situation
3. We will return your phone call or email within 24 hours or the next business day
4. We will answer any and all questions or concerns you have honestly and fully
5. We will remedy any problems quickly and completely
6. We will refer you to other trustworthy professionals when needed
7. We will provide clear and complete performance analysis on regular basis
8. We will review your statements with you
9. We will provide a monthly newsletter with timely and useful information
10. We will talk to your family and other advisors when you ask us to
11. We will meet with you in person at your request whenever practical
12. We will serve as a sounding board for your ideas
13. We will provide information to assist you in making decisions
14. We will assist your family or beneficiaries to help fulfill your ultimate intentions
15. We will remain loyal and committed to your personal dreams and goals
16. We will always put your best interests above all else
2. We care about and monitor changes in your life and family situation
3. We will return your phone call or email within 24 hours or the next business day
4. We will answer any and all questions or concerns you have honestly and fully
5. We will remedy any problems quickly and completely
6. We will refer you to other trustworthy professionals when needed
7. We will provide clear and complete performance analysis on regular basis
8. We will review your statements with you
9. We will provide a monthly newsletter with timely and useful information
10. We will talk to your family and other advisors when you ask us to
11. We will meet with you in person at your request whenever practical
12. We will serve as a sounding board for your ideas
13. We will provide information to assist you in making decisions
14. We will assist your family or beneficiaries to help fulfill your ultimate intentions
15. We will remain loyal and committed to your personal dreams and goals
16. We will always put your best interests above all else
Create Your Future
Goals Planning System
Goals Planning System (GPS) platform of Morgan Stanley is a thorough and comprehensive analysis of your finances that provides a snapshot of your current financial picture. It allows you to benchmark your finances while offering insight into your financial strengths, risk tolerance and provide you the optimal plan to achieve your financial goals.
Tax and Estate Planning
Having an estate plan in place can help you feel more secure about the future, help manage your future tax liability and be confident your loved ones will be taken care of. Our team will work diligently with you and your tax and estate consultants to provide the most comprehensive plan for your family, your future and your loved ones’ future.
CFP
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals
CIMA
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors
As the Everest Group, part of our comprehensive Wealth Management service is to keep our clients up to date in this every evolving world.
On this page you can find relevant news and research published by our firm about different sectors, lifestyle, financial world and many more topics.
On this page you can find relevant news and research published by our firm about different sectors, lifestyle, financial world and many more topics.
Preferred Savings currently at 5% APY
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Click here to view moreLocation
285 Clyde Morris Blvd
Ste 100
Ormond Beach, FL 32174
US
Direct:
(386) 671-2314(386) 671-2314
Toll-Free:
(800) 824-1391(800) 824-1391
Meet The Everest Group
Phone:
(386) 671-2317(386) 671-2317
Phone:
(386) 671-2363(386) 671-2363
Paul Nachtigal
Financial Advisor
Phone:
(386) 671-2331(386) 671-2331
Sabrina Kelly
Senior Registered Client Service Associate
Phone:
(386) 671-2314(386) 671-2314
Tonya Lankford
Senior Registered Client Service Associate
Phone:
(386) 615-3428(386) 615-3428
Alonia Holmes
Client Service Associate
Phone:
(386) 671-2301(386) 671-2301
About Adam J Kennedy
Adam Kennedy is a Financial Advisor at Morgan Stanley, Ormond Beach, with over 25 years of experience. As a founding member of the Everest Group at Morgan Stanley, Adam provides comprehensive financial planning and investment strategies to accomplish one’s goals. The Everest Group is a planning-based team of 7 focused on the long-term financial needs of their clients. The team currently manages over $1 billion in client assets as of May 2023 and has over 120 years of combined experience.
Adam is a CERTIFIED FINANCIAL PLANNER (CFP®), the recognized standard of excellence for competent and ethical personal financial planning. The multi-year CFP® certification program covers the full spectrum of wealth planning needs, from financial planning, risk management and investments to tax, retirement and estate planning. As a CFP®, Adam is committed to operating with integrity and delivering a level of care that prioritizes our clients’ best interests and individual needs.
Adam graduated from Stetson University in DeLand, Florida, earning his Bachelor of Business Administration degree with major course work in Finance and a concentration in investments. He showed a passion for portfolio-building back in his college days, joining his university’s investment team, and taking part in stock and bond decisions on behalf of the school’s Roland George Investment Program.
Adam and his wife, Dana, live in Ormond Beach and have three children: Courtney, Christopher, and Caitlin. Adam enjoys spending time at the beach, traveling with his family, and catching up with friends at Oceanside Country Club. His family has a dog and three cats.
For a free second opinion, call Adam today to schedule an appointment.
Adam is a CERTIFIED FINANCIAL PLANNER (CFP®), the recognized standard of excellence for competent and ethical personal financial planning. The multi-year CFP® certification program covers the full spectrum of wealth planning needs, from financial planning, risk management and investments to tax, retirement and estate planning. As a CFP®, Adam is committed to operating with integrity and delivering a level of care that prioritizes our clients’ best interests and individual needs.
Adam graduated from Stetson University in DeLand, Florida, earning his Bachelor of Business Administration degree with major course work in Finance and a concentration in investments. He showed a passion for portfolio-building back in his college days, joining his university’s investment team, and taking part in stock and bond decisions on behalf of the school’s Roland George Investment Program.
Adam and his wife, Dana, live in Ormond Beach and have three children: Courtney, Christopher, and Caitlin. Adam enjoys spending time at the beach, traveling with his family, and catching up with friends at Oceanside Country Club. His family has a dog and three cats.
For a free second opinion, call Adam today to schedule an appointment.
Securities Agent: NC, MN, DE, NY, NM, NE, MA, HI, CT, MI, GA, SC, OR, IL, IA, CA, AK, PA, OH, MT, VT, TX, NV, NJ, ME, KS, TN, OK, MD, FL, VA, ID, AZ, MO, KY, IN, CO, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272818
CA Insurance License #: 4133777
NMLS#: 1272818
CA Insurance License #: 4133777
About Marc A Nilsen
Financial Industry experience since 2006
Series 7, 63 & 65 Licensed
Insurance Licensed
Series 7, 63 & 65 Licensed
Insurance Licensed
Securities Agent: MN, IL, IA, DE, WA, SC, OH, HI, NE, KS, IN, CO, CA, TN, MA, FL, VT, VA, OR, NC, MO, MI, ME, MD, LA, GA, CT, KY, AZ, TX, PA, NY, AR, NV, MT, ID, NM, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1262266
CA Insurance License #: 4133778
NMLS#: 1262266
CA Insurance License #: 4133778
About Selin Timur
As a financial advisor and a financial planning specialist, Selin Timur strives to build her practice with the utmost focus on retirement and financial planning.
She graduated from Rollins College with a degree in International Business and a concentration in Finance. After working at Morgan Stanley Winter Park Branch, Selin joined the Everest Group in November of 2022.
Selin works with clients on an individual basis to understand what is important to them and how they want to design their future for themselves, their family and their next generation. Her goal is to provide tailored advice to every one of her clients by creating financial plans that encompasses all the topics from tax efficient investment strategies to estate planning. To achieve this, Selin works in collaboration with her clients' tax advisors and attorneys to provide the most comprehensive service. She keeps communication the focal point of her practice so that she can provide the support and guidance during important stages and milestones in their lives and build a long-term relationship.
Having lived in Europe for a long period of time, Selin is an avid golfer. She competed internationally in the highest level of Amateur Golf and was a full scholar in her college career. In her spare time, she now competes in tournaments at the two clubs that she is a member of in Orlando and currently is the club champion at both courses. Besides golf, Selin enjoys traveling as she is fascinated to observe different countries, culinary experiences and also spending time with her two cats. She is an active member of the Ormond Beach Chamber of Commerce and TACCS Chamber of Commerce.
She graduated from Rollins College with a degree in International Business and a concentration in Finance. After working at Morgan Stanley Winter Park Branch, Selin joined the Everest Group in November of 2022.
Selin works with clients on an individual basis to understand what is important to them and how they want to design their future for themselves, their family and their next generation. Her goal is to provide tailored advice to every one of her clients by creating financial plans that encompasses all the topics from tax efficient investment strategies to estate planning. To achieve this, Selin works in collaboration with her clients' tax advisors and attorneys to provide the most comprehensive service. She keeps communication the focal point of her practice so that she can provide the support and guidance during important stages and milestones in their lives and build a long-term relationship.
Having lived in Europe for a long period of time, Selin is an avid golfer. She competed internationally in the highest level of Amateur Golf and was a full scholar in her college career. In her spare time, she now competes in tournaments at the two clubs that she is a member of in Orlando and currently is the club champion at both courses. Besides golf, Selin enjoys traveling as she is fascinated to observe different countries, culinary experiences and also spending time with her two cats. She is an active member of the Ormond Beach Chamber of Commerce and TACCS Chamber of Commerce.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, AK, KS, KY, LA, MA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, VA, WA, IN, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2276952
NMLS#: 2276952
About Jayne Mills
Jayne Mills is a Certified Investment Management Analyst, a Certified Financial Manager and Portfolio Manager. She began her career in 1984 at Merrill Lynch in Ft. Lauderdale while finishing her Bachelor of Science degree in Finance at Florida Atlantic University.
Jayne later moved to Morgan Stanley where she specializes in portfolio management and financial planning. Jayne has purposefully built a select client base of valued individuals and families with whom she carefully structures individualized long-term plans. Her greatest commitment is to creating peace of mind for her clients. She believes that with wealth comes opportunity as well as responsibility. Jayne works to harness those opportunities helping clients to realize their most cherished financial goals and dreams.
Though not an artist herself, Jayne is an art lover and an avid traveler, using her time on the road to explore artist communities in cities large and small. She is a proud founding member and past President of Funding Arts Broward, Inc., a non-profit dedicated to supporting the arts in Broward County. She regularly supports the Morgan Stanley Foundation, St. Jude Children’s Research Hospital and St. Patrick’s Residence.
After raising her three children, Jayne settled into a quieter lifestyle in northeast Florida. She transferred to the Ormond Beach office in 2023 and joined The Everest Group at Morgan Stanley.
Though her home is now St. Augustine, Jayne is a proud Chicagoan where she visits as often as possible, never passing up an opportunity for a pizza at Lou Malnati’s or an authentic Italian beef. She is a yoga teacher, a voracious reader, and an author. Her debut novel (which has nothing to do with finance!) will be published in July 2025.
Jayne later moved to Morgan Stanley where she specializes in portfolio management and financial planning. Jayne has purposefully built a select client base of valued individuals and families with whom she carefully structures individualized long-term plans. Her greatest commitment is to creating peace of mind for her clients. She believes that with wealth comes opportunity as well as responsibility. Jayne works to harness those opportunities helping clients to realize their most cherished financial goals and dreams.
Though not an artist herself, Jayne is an art lover and an avid traveler, using her time on the road to explore artist communities in cities large and small. She is a proud founding member and past President of Funding Arts Broward, Inc., a non-profit dedicated to supporting the arts in Broward County. She regularly supports the Morgan Stanley Foundation, St. Jude Children’s Research Hospital and St. Patrick’s Residence.
After raising her three children, Jayne settled into a quieter lifestyle in northeast Florida. She transferred to the Ormond Beach office in 2023 and joined The Everest Group at Morgan Stanley.
Though her home is now St. Augustine, Jayne is a proud Chicagoan where she visits as often as possible, never passing up an opportunity for a pizza at Lou Malnati’s or an authentic Italian beef. She is a yoga teacher, a voracious reader, and an author. Her debut novel (which has nothing to do with finance!) will be published in July 2025.
Securities Agent: HI, DE, NH, NE, IL, CT, PA, NY, NV, MT, IN, IA, VA, TN, MN, AL, VT, FL, SC, NM, KS, ID, TX, MD, OH, MO, MA, CA, WA, OR, CO, WI, OK, KY, AZ, NJ, NC, MI, ME, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279608
NMLS#: 1279608
About Paul Nachtigal
Paul is a seasoned Financial Advisor with over 40 years in the financial services industry. He leverages his vast experience and knowledge of financial markets to help clients achieve long-term goals. Born and raised in New Jersey, Paul graduated from William Patterson University with a degree in Business Administration. His career in the financial services industry started in 1983. In 1996 he was recruited to come work for Morgan Stanley (formerly Smith Barney). Paul’s areas of focus include money manager selection, Investment tax strategy (including trusts) and cash management solutions. He is a fully licensed advisor.
Paul and his wife Theresa have been happily married for over forty years. They moved to Ormond Beach, Florida in 2003 after living in Bergen County New Jersey for many years. Paul has two son’s Eric and Peter. His 12 years of coaching the boy’s club level soccer teams taught him the importance of strategy, humility, patience and most importantly, always maintaining a sense of humor. Paul enjoys cycling, fishing, gardening and quality time with his family including his golden retriever grand-dog Tucker. Theresa and Paul recently welcomed their granddaughter, Lydia Hanna Nachtigal, to their family.
Paul and his wife Theresa have been happily married for over forty years. They moved to Ormond Beach, Florida in 2003 after living in Bergen County New Jersey for many years. Paul has two son’s Eric and Peter. His 12 years of coaching the boy’s club level soccer teams taught him the importance of strategy, humility, patience and most importantly, always maintaining a sense of humor. Paul enjoys cycling, fishing, gardening and quality time with his family including his golden retriever grand-dog Tucker. Theresa and Paul recently welcomed their granddaughter, Lydia Hanna Nachtigal, to their family.
Securities Agent: MO, NE, HI, NC, MD, DC, VT, VA, PA, MT, NY, KS, AZ, CT, MI, KY, CO, NM, MA, IA, GA, ME, OR, ID, MN, DE, CA, WA, TX, OH, IN, IL, FL, TN, SC, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1380652
NMLS#: 1380652
About Sabrina Kelly
Financial Industry and Customer Service experience since 2000
Series 7 and 66
Series 7 and 66
About Tonya Lankford
Financial Industry and Customer Service experience since 1984
Series 7 and 63
Series 7 and 63
Contact Adam J Kennedy
Contact Marc A Nilsen
Contact Selin Timur
Contact Jayne Mills
Contact Paul Nachtigal
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®
Financial Planning Director, Vice President
Rachael Crapsi, CFP®
Financial Planning Director, Vice President
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
About Rachael Crapsi
Rachael Crapsi, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
About Rachael Crapsi
Rachael Crapsi, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Wealth Management
From Our Team
4.25% ANNUAL PERCENTAGE YIELD (APY) PREFERRED SAVINGS PROGRAM
Wealth Management
Global Investment Office
Portfolio Insights
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Everest 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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When 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.
4Morgan 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.
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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When 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.
4Morgan 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.
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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
