Ernest Ryan Dunlap
Senior Vice President,
Financial Advisor
Direct:
(707) 524-0570(707) 524-0570
Toll-Free:
(800) 752-5340(800) 752-5340
My Mission Statement
Making sure every client is the most important person in my practice through regular and easygoing conversations, responsive financial planning and dedicated personal service.
My Story and Services
As a financial advisor who built my practice from the ground up, I recognize the hard work and dedication it takes to be successful and create wealth. I also realize that it takes strong relationships and trusting conversations to protect and grow that wealth. I started in the business 25 years ago as a young college graduate full of enthusiasm and continue to bring an eagerness and curiosity into every meeting and phone call, wanting to know as much about what is going on in my client’s lives as they do about their investments. Such regular communication helps ensure their financial plan and long-term objectives remain on track.
After beginning my career at Prudential Securities in San Francisco, I soon moved on to PaineWebber/UBS where I grew my business in partnership with a fellow FA before establishing my own practice in Sonoma County. I joined Morgan Stanley in 2011 and remain focused today on the select client relationships, treated as close friendships, that I have developed over the course of my career.
Drawing on the vast resources of Morgan Stanley, I create customized financial plans and investment portfolios for each of my individual clients and their families. My primary objective is to balance the potential for wealth creation with careful risk management. Through the firm’s Investing with Impact platform, my clients can align their portfolios with the values and societal issues they support.
I am a Sonoma County native who grew up in Petaluma and earned my bachelor’s degree in Business Administration and Finance from the California State University at Chico. In addition to working with clients, I have been an active member of the Kiwanis Club in Santa Rosa for over 20 years and was previously a coach and administrator for youth soccer in the area. Today, I live in Petaluma with my wife and two children.
After beginning my career at Prudential Securities in San Francisco, I soon moved on to PaineWebber/UBS where I grew my business in partnership with a fellow FA before establishing my own practice in Sonoma County. I joined Morgan Stanley in 2011 and remain focused today on the select client relationships, treated as close friendships, that I have developed over the course of my career.
Drawing on the vast resources of Morgan Stanley, I create customized financial plans and investment portfolios for each of my individual clients and their families. My primary objective is to balance the potential for wealth creation with careful risk management. Through the firm’s Investing with Impact platform, my clients can align their portfolios with the values and societal issues they support.
I am a Sonoma County native who grew up in Petaluma and earned my bachelor’s degree in Business Administration and Finance from the California State University at Chico. In addition to working with clients, I have been an active member of the Kiwanis Club in Santa Rosa for over 20 years and was previously a coach and administrator for youth soccer in the area. Today, I live in Petaluma with my wife and two children.
Securities Agent: CO, TX, NY, CT, IA, GA, CA, OR, ME, WI, WA, VA, IN, ID, NV, MN, KY, FL, VT, UT, MT, IL, TN, HI, OH, MA, AZ, SC, KS, NM, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1293926
CA Insurance License #: 0B99405
NMLS#: 1293926
CA Insurance License #: 0B99405
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
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Total Wealth Tool
Complete your financial profile with Total Wealth Tool. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
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Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
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 ReservedWorking with You
Success comes from building a strong relationship with you and that takes being a good listener as well as establishing a connection that goes beyond your finances. While I can crunch numbers and model different investment scenarios, my style is more easygoing and conversational. I will explain financial matters in ways you can understand and make sure we’re both on the same page before updating your financial plan, rebalancing your retirement portfolio, or setting up a trust.
My role in the relationship is to understand what keeps you up at night and talk you through how together we can effectively address those concerns. For new clients, we cover a lot of ground in our introductory meeting, establishing where you are now and where you're trying to get to. We will discuss your past investing experience, what worked and what didn’t, as well as determine if the aspirations and expectations for your wealth are realistic and achievable. Human emotions can get the best of us, especially when the stock market gets bumpy and ominous headlines in the media make you want to sell. By gaining clarity on your goals on the front end, I can help steer you away from making the rash, emotional decisions that could detour your plans to fund your grandchild’s college education or buy that vacation home.
Financial planning is the key to all the work we do together. It
guides the construction and monitoring of diversified investment portfolios and how we complement your investments with other solutions such as estate planning, life insurance and charitable giving. You’ve worked hard to create wealth and we do everything with an eye toward minimizing your taxes through tax-efficient investing, managing qualified income in your tax-deferred 401(k) and IRA accounts as well as through the use of tax-free bonds.
My role in the relationship is to understand what keeps you up at night and talk you through how together we can effectively address those concerns. For new clients, we cover a lot of ground in our introductory meeting, establishing where you are now and where you're trying to get to. We will discuss your past investing experience, what worked and what didn’t, as well as determine if the aspirations and expectations for your wealth are realistic and achievable. Human emotions can get the best of us, especially when the stock market gets bumpy and ominous headlines in the media make you want to sell. By gaining clarity on your goals on the front end, I can help steer you away from making the rash, emotional decisions that could detour your plans to fund your grandchild’s college education or buy that vacation home.
Financial planning is the key to all the work we do together. It
guides the construction and monitoring of diversified investment portfolios and how we complement your investments with other solutions such as estate planning, life insurance and charitable giving. You’ve worked hard to create wealth and we do everything with an eye toward minimizing your taxes through tax-efficient investing, managing qualified income in your tax-deferred 401(k) and IRA accounts as well as through the use of tax-free bonds.
My Clients
I work primarily with retirees or those nearing retirement across all walks of life, from doctors and bankers to small business owners in the local community. Many of my clients have also inherited significant wealth which can create unique challenges where open communication is essential.
I am also excited to be working with multiple generations of many families, learning about and addressing the opportunities and risks unique to each life stage. Legacy planning is a core part of these relationships as I help the patriarch or matriarch of an extended family properly position and allocate their assets so that future generations can maintain and grow their own wealth.
I am also excited to be working with multiple generations of many families, learning about and addressing the opportunities and risks unique to each life stage. Legacy planning is a core part of these relationships as I help the patriarch or matriarch of an extended family properly position and allocate their assets so that future generations can maintain and grow their own wealth.
Client Service Team
Bethany Flint - Registered Client Service Associate
Phone:
(707) 571-5782(707) 571-5782
Email:Bethany.Flint@morganstanley.com
Location
3562 Round Barn Circle
1st Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-0570(707) 524-0570
Toll-Free:
(800) 752-5340(800) 752-5340
Fax:
(707) 524-1099(707) 524-1099
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
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Ready to start a conversation? Contact Ernest Ryan Dunlap today.
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 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Municipal 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Municipal 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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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)
