Stephanie Ruehl
Registered Client Service Associate
Phone:
(520) 878-1989(520) 878-1989
Adam Hamilton Paoli
Vice President, Wealth Management,
Financial Advisor
Direct:
(520) 519-2307(520) 519-2307
My Mission Statement
Leveraging experience, knowledge and personalized dedication to optimize cash flow, investments and estate planning, guiding you towards your unique life goals.
My Story and Services
Adam H. Paoli, Vice President and Financial Advisor at Morgan Stanley, brings more than a decade of experience in the financial services industry. Adam is passionate about the intricacies of the markets and dedicates himself to building and protecting wealth through intelligent investments. His career in the financial services industry began in 2014 when he teamed up with his father, Daniel Paoli, a 30+ year veteran of Morgan Stanley/Dean Witter. Adam is committed to upholding the same level of care and integrity that defined his father's practice.
Before venturing into the world of finance, Adam was an entrepreneurial Web Developer. At just 16, he launched his first business crafting websites for small businesses, and by 18, he was successfully managing a portfolio of digital enterprises. This early experience gave him a unique understanding of the challenges and opportunities entrepreneurs encounter.
Recognized for his professional excellence, Adam has been named to Morgan Stanley’s Pacesetter’s Club each year beginning in 2020. He was appointed Vice President in 2024. This success is deeply rooted in his passion of interacting with his clients in person, over the phone or virtually, through zoom, to understand what retirement lifestyle best suits them and helping them achieve it.
Outside of work, Adam volunteers with the American Liver Foundation and the Community Food Bank of Southern Arizona, and supports causes like cancer research and suicide prevention. He values his close relationships with friends and family, including his sister, Sarah, and niece, Carmella.
Licensed in Variable Annuity, Variable Life, and Long-Term Care insurance.
Before venturing into the world of finance, Adam was an entrepreneurial Web Developer. At just 16, he launched his first business crafting websites for small businesses, and by 18, he was successfully managing a portfolio of digital enterprises. This early experience gave him a unique understanding of the challenges and opportunities entrepreneurs encounter.
Recognized for his professional excellence, Adam has been named to Morgan Stanley’s Pacesetter’s Club each year beginning in 2020. He was appointed Vice President in 2024. This success is deeply rooted in his passion of interacting with his clients in person, over the phone or virtually, through zoom, to understand what retirement lifestyle best suits them and helping them achieve it.
Outside of work, Adam volunteers with the American Liver Foundation and the Community Food Bank of Southern Arizona, and supports causes like cancer research and suicide prevention. He values his close relationships with friends and family, including his sister, Sarah, and niece, Carmella.
Licensed in Variable Annuity, Variable Life, and Long-Term Care insurance.
Securities Agent: MO, TX, PA, CA, SD, NM, OK, NY, MT, KY, ID, GA, FL, CT, CO, MD, WI, OR, MN, AZ, AK, UT, NH, WA, IL, VA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1733603
NMLS#: 1733603
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process - The Paoli Path
I can help you with a particular financial need or create a comprehensive plan that takes all of your financial needs and goals into account. My method looks at your wealth from all sides. This leads to solutions that not only have the ability to help you achieve your financial goals but also to transcend them and safeguard against unforeseen life events.
Step 1: Discovery & Goal Setting
Let's begin with a thorough discussion to explain and ascertain your needs, wants and values. It is important for me to have a thorough understanding of every facet of your life that affects your financial goals and decisions. Every financial strategy should be unique because everyone is different.
Step 2: Analysis, Strategy & Planning
To conduct a full assessment of your financial situation, I utilize a range of financial planning and risk analysis tools. I then implement a comprehensive financial plan that will help you accumulate, safeguard and transfer wealth in line with your objectives.
Step 3: Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. Next, I can begin implementing the additional techniques described in your plan once they are in line with your tailored investment strategy.
Step 4: Ongoing Monitoring
My relationship with you is extremely important to me, and I want to keep it that way. I communicate with you frequently to provide account updates. Additionally, I keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as needed when your circumstances change.
A Personally Tailored Plan
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley has to offer, allows me to work with you to help translate your goals into reality.
Whatever your financial goal – whether to grow your wealth, preserve it or pass it on to others, you can count on me to help you with a strategy that is:
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley has to offer, allows me to work with you to help translate your goals into reality.
Whatever your financial goal – whether to grow your wealth, preserve it or pass it on to others, you can count on me to help you with a strategy that is:
Personal, Comprehensive, and Flexible
- Personal: Highly individualized and committed to helping you achieve financial success.
- Comprehensive: Covering a broad array of investment products and services, with preferred benefits tied to your valued status.
- Flexible: Responsive to changes in your life and in your priorities over time.
- To begin your complementary financial planning analysis, feel free to begin filling out the planning questionnaire below!
My Core Values
“Our DNA, our culture and our history are rooted in serving our clients.” – James Gorman
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are four core values.
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are four core values.
Putting Client's First
- Always keep the client’s interest first.
- Work with colleagues to deliver the best of the Firm and every client.
- Listen to what the client is saying and needs.
- Work with colleagues to deliver the best of the Firm and every client.
- Listen to what the client is saying and needs.
Doing the Right Thing
- Act with integrity.
- Think like an owner to create long-term shareholder value.
- Value and reward honesty, collegiality and character.
- Think like an owner to create long-term shareholder value.
- Value and reward honesty, collegiality and character.
Leading With Exceptional Ideas
- Win by breaking new ground.
- Let the facts and different points of view broaden your perspective.
- Be vigilant about what we can do better.
- Let the facts and different points of view broaden your perspective.
- Be vigilant about what we can do better.
Giving Back
- Be generous with your expertise, your time and your money.
- Invest in the future of our communities and our firm.
- Mentor our next generation
- Invest in the future of our communities and our firm.
- Mentor our next generation
Commitment to Diversity & Inclusion
- Value individual and cultural differences as a defining strength.
- Champion an environment where all employees feel a sense of belonging - are heard, seen and respected.
- Challenge behavior counter to our culture of inclusion.
- Attract, develop and retain talent reflecting the full diversity of society.
- Champion an environment where all employees feel a sense of belonging - are heard, seen and respected.
- Challenge behavior counter to our culture of inclusion.
- Attract, develop and retain talent reflecting the full diversity of society.
Updates & Digital Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
2025 U.S. Stock Market Outlook: Can the Bull Run Persist?
After two strong years for stocks, more muted gains are likely in 2025, with opportunities in U.S. stocks, growth and value. Find out why an what it means for your portfolio.
2025 U.S. Stock Market Outlook
Thoughts on the Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley, as he and his colleagues give their perspective on the forces shaping the market and cover the latest trends in the financial marketplace.
Listen Now
Morgan Stanley Banking Experience
Smart cash management is a critical part of successful wealth management.
Morgan Stanley Banking
2025 Federal Income Tax Tables
For help filling your taxes this year, I wanted to make the 2025 tax tables available to you.
2025 Federal Income Tax Tables
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedLocation
7175 N Pima Canyon Dr
Tucson, AZ 85718
US
Direct:
(520) 519-2307(520) 519-2307
Meet My Team
About Stephanie Ruehl
Stephanie began her career in the financial industry in September 2022. While still learning the ropes, her responsibilities include client services and working on administrative projects. As she learns, she’ll start putting her analytical background, tuned from her Chemical Engineering degrees, to work.
Prior to joining Morgan Stanley, Stephanie spent over seven years in Gilbert, AZ working at General Motors as a software engineer, climbing the ladder to a Lead Software Engineer position.
In her free time, she enjoys playing with her dog, cat, and two year old daughter. She’s constantly looking for more places to take her daughter and dog on outdoor adventures. In the rare quiet moment, she enjoys reading, cooking, and crafts.
Prior to joining Morgan Stanley, Stephanie spent over seven years in Gilbert, AZ working at General Motors as a software engineer, climbing the ladder to a Lead Software Engineer position.
In her free time, she enjoys playing with her dog, cat, and two year old daughter. She’s constantly looking for more places to take her daughter and dog on outdoor adventures. In the rare quiet moment, she enjoys reading, cooking, and crafts.
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
Nikki Ranck
Private Banker
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
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
A Simple Six-Step Retirement Checkup
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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
The Robots are Coming
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Adam Hamilton Paoli today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Morgan 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
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Morgan 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
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities 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)
