Phone:
(727) 507-5763(727) 507-5763
The Rapport O'Connor Group at Morgan Stanley
Direct:
(727) 507-5700(727) 507-5700
Toll-Free:
(800) 237-5232(800) 237-5232
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
A Morgan Stanley Financial Advisor is a trained professional with access to best-in-class resources from across the firm to help you navigate a path forward, through all market cycles. Watch to learn more about what you can expect from a Morgan Stanley Financial Advisor.
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Resources for You
Our personalized wealth management process is designed to create a roadmap for your financial future. Through leveraging our vast resources, your personalized wealth strategy will be created to help achieve and protect your goals, with the ability to be adapted properly with the forever changing circumstances. Here are a few examples of the many Modern Wealth Management resources that are offered to our clients.
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind
Learn more about Total Wealth View
Morgan Stanley Online
Morgan Stanley Online (MSO) offers a suite of features and services that allow you to manage your everyday finances from one place. Everything accessible under one platform to assist staying on top of all your financial accounts.
Learn more about Morgan Stanley Online
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
Learn more about Goals-Based Planning
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Exclusive Offers & Insights here
2023 Tax Tables
This helpful resource outlines the 2022 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 be as informed as possible.
Access tax tables hereOur Five-Step Process
Our tailored approach to manage your wealth revolves around working together to achieve your financial dreams. We will build a lasting relationship meant to help navigate unique financial challenges, helping you make informed decisions about building wealth.
1. Introductory Call
We value getting to know our clients on a personal level. Our first call is to introduce ourselves and understand your unique personal background. After presenting the value we'll add, we can schedule a follow up meeting to get to understand your entire financial background.
2. Understanding You Meeting
During this meeting we will get to understand your current situation financially, as well as your objectives. The goal of this conversation is to dive deeper into your unique circumstance for us to define the following steps to help you achieve your goals.
3. Analysis & Plan Development
This is our time to utilize the information you have provided and our modern wealth management tools to develop a unique strategy. Our strategies are always personalized to provide recommendations to help you grow, preserve, and transfer your wealth.
4. Presentation & Implementation
For this step, we will present the personalized plans that are designed to work towards the objectives we had set. Once you understand and approve the strategy, we will take the necessary steps to open accounts with Morgan Stanley and start to implement our investment plan.
Continued Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
Redefining Wealth in the 21st Century
As your life and career evolve, so do your goals. We help you answer critical financial questions, adapting your strategy to reflect new priorities in your life and any significant changes in the marketplace. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing and I have so many things I want to do with my life. How does my approach with one of them impact all of them?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Estate Planning
How do I balancing leaving a lasting legacy with providing help for those who are important to me now?
Professional Portfolio Management
I have a portfolio with many investments that I don't understand. How can one investment strategy balance them all?
Managing Your Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Monthly Outlooks & Updates
We strive to simplify complex financial ideas into a digestible format so that our clients can truly understand the work which goes into planning for their financial future and livelihood. We are firm believers in providing our clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Global Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below:
Read the monthly report here
Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Learn more here
Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Read more here
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Read more here
Reasons to Work with a Financial Advisor
Going it alone can be difficult. Learn how a Financial Advisor can work with you to build a wealth plan that helps you reach your goals.
Read more hereLocation
150 2nd Avenue N
Suite 1400
St. Petersburg, FL 33701
US
Direct:
(727) 507-5700(727) 507-5700
Toll-Free:
(800) 237-5232(800) 237-5232
Meet The Rapport O'Connor Group
Phone:
(813) 227-2147(813) 227-2147
Sean Louderback
Client Service Associate
Phone:
(727) 803-7239(727) 803-7239
About David Rapport
David began his career in investment and financial planning in 2001 after graduating from the University of Akron with a Bachelor’s degree in Finance. David takes a planning-based approach to the investment process. Through the process of drafting a financial plan, resources are identified, goals are set, and action steps are defined. An investment strategy tailored to each individual financial plan is then started. Each client’s financial plan and portfolio is reviewed regularly and is adjusted as personal circumstances change and as the financial markets change. Communication is a key part of this process. David’s focus is financial planning, estate planning, retirement planning, and wealth transfer.
David is a CERTIFIED FINANCIAL PLANNER™ and holds FINRA Series 3, 4, 7, 24, 31, 53, 63, and 66 licenses as well as the state of Florida Life, Health, and Variable Products Insurance license. Prior to joining Morgan Stanley in 2011 David spent seven years at Raymond James in sales management and supervision. During this time, he worked with financial advisors to bring intuitive solutions to clients, while also working with these advisors to grow their business with exceptional ideas.
David has lived in the Tampa Bay area for over 20 years and enjoys spending his free time with his wife, Katie, and their two children, Meyer and Rose. He enjoys travelling, running, and reading and is an avid hockey and soccer fan. David regularly volunteers for Pinellas County Schools and is a supporter of the World Wildlife Fund.
David is a CERTIFIED FINANCIAL PLANNER™ and holds FINRA Series 3, 4, 7, 24, 31, 53, 63, and 66 licenses as well as the state of Florida Life, Health, and Variable Products Insurance license. Prior to joining Morgan Stanley in 2011 David spent seven years at Raymond James in sales management and supervision. During this time, he worked with financial advisors to bring intuitive solutions to clients, while also working with these advisors to grow their business with exceptional ideas.
David has lived in the Tampa Bay area for over 20 years and enjoys spending his free time with his wife, Katie, and their two children, Meyer and Rose. He enjoys travelling, running, and reading and is an avid hockey and soccer fan. David regularly volunteers for Pinellas County Schools and is a supporter of the World Wildlife Fund.
Securities Agent: DE, HI, TN, NC, MD, FL, NY, MT, VT, NV, IL, GA, CT, WY, SC, PA, WA, OH, NH, AZ, WI, TX, NJ, MA, KY, CA, AR, AL, MO, IN, MN, WV, ME, LA, KS, CO, VA, PR, OR, MI; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1605668
CA Insurance License #: 0M79893
NMLS#: 1605668
CA Insurance License #: 0M79893
About Casey O'Connor
Casey O’Connor works closely with his clients to help them create, implement and maintain comprehensive wealth management plans designed to achieve their specific financial goals. This Goals-Based wealth management approach starts with Casey getting to know you, the client, as well as possible to best understand the wants and needs of you and your families. Casey believes this process is essential to building long-term, productive relationships.
Casey joined the financial services industry in 2009 after earning his Bachelor’s degree in Finance from Florida State University. Since joining Morgan Stanley in 2011, Casey has been recognized for his high level of service and has been named to Morgan Stanley’s Pacesetter’s Club in 2021, 2022, and 2023, a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first-class client service.
Originally from Plattsburgh, NY, Casey has lived in Tampa for the past fourteen years. Casey and his wife Kait, sons Cal and Rhodes, and goldendoodle Biscuit currently reside in the Lake Carroll area. When not in the office, Casey enjoys spending time with family, golfing, traveling, and rooting for FSU and Tampa Bay Lightning.
Casey joined the financial services industry in 2009 after earning his Bachelor’s degree in Finance from Florida State University. Since joining Morgan Stanley in 2011, Casey has been recognized for his high level of service and has been named to Morgan Stanley’s Pacesetter’s Club in 2021, 2022, and 2023, a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first-class client service.
Originally from Plattsburgh, NY, Casey has lived in Tampa for the past fourteen years. Casey and his wife Kait, sons Cal and Rhodes, and goldendoodle Biscuit currently reside in the Lake Carroll area. When not in the office, Casey enjoys spending time with family, golfing, traveling, and rooting for FSU and Tampa Bay Lightning.
Securities Agent: OR, ME, PA, CT, SD, AZ, PR, NJ, NC, MA, HI, CA, TX, OH, MN, KS, SC, MT, WV, RI, OK, LA, KY, IA, FL, DE, AR, WY, WA, VT, UT, NM, WI, TN, MI, IN, MO, GA, CO, AL, VA, NV, NH, MD, IL, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1282593
CA Insurance License #: 0K68783
AR Insurance License #: 17803086
NMLS#: 1282593
CA Insurance License #: 0K68783
AR Insurance License #: 17803086
About Sean Louderback
Sean Louderback is a St. Petersburg native and graduated from The University of Tampa in 2013. He has been working at Morgan Stanley since 2015, working in both sales and service. He enjoys helping his clients plan for a financially secure future and helps educate his clients on financial markets. He and his wife Sara live with their 3 month old son Liam and their yellow Labrador Marley. Sean enjoys spending time with his family, golfing, and fitness.
Contact David Rapport
Contact Casey O'Connor
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 Rapport O'Connor 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.
1When 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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal 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
1When 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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal 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)
