Joshua Gilbert
Private Banker
Mitch Edwards, QPFC
First Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(513) 762-5223(513) 762-5223
My Story and Services
Retirement planning means more than providing you with investment advice. It means helping you maintain the financial independence you’ve worked your entire life to achieve. It means striving to ensure you have the means to pursue what's most important to you. And it means understanding you as an individual with unique goals, values and circumstances that shape the strategies we develop on your behalf.
A Purpose for Every Stage
We designate a specific financial purpose for different stages of your life. When you’re working, it’s important for you to be able to concentrate on what makes you productive, while still spending time with your family and the activities you’re passionate about. During this stage, our purpose is to focus on savings and debt management seeking to ensure you’re financially prepared for retirement.
Once your reach the retirement stage, our purpose is to help ensure you don’t outlive your assets. So, we’ll assist you with important considerations such as balancing income, risk and preservation. We have a well-established process in place for this stage that includes continual asset monitoring, purposeful investing and ongoing communications with you.
Lastly, we’ll focus on your legacy. We’ll develop and implement a seamless plan to take care of those individuals or causes that matter most to you.
Holistic Planning
We believe it’s essential to provide comprehensive planning and financial services to our clients. We offer advice on both sides of your balance sheet, investing and lending. We also embrace your banking needs, including cash management. All of this is important because thoughtful budgeting and planning can potentially lead to better financial outcomes, as well as less stress in your life.
By combining our professional advice with the services provided by one of the nation’s premier wealth management organizations, we help ensure that all components of your financial life work together in harmony for you.
Commitment to You
Our clients’ success is the true barometer for our practice. We never forget that we serve you, and recognize that ultimately you’re in charge. So, we strive to provide a concierge experience that’s built around your needs, lifestyle and priorities.
Additionally, the founding members of our team each have at least 15 years of experience in financial services. We’ve successfully navigated clients through challenging markets and macro events. And since we began our financial careers directly out of college, we’re still young enough to guide you through your retirement.
A Purpose for Every Stage
We designate a specific financial purpose for different stages of your life. When you’re working, it’s important for you to be able to concentrate on what makes you productive, while still spending time with your family and the activities you’re passionate about. During this stage, our purpose is to focus on savings and debt management seeking to ensure you’re financially prepared for retirement.
Once your reach the retirement stage, our purpose is to help ensure you don’t outlive your assets. So, we’ll assist you with important considerations such as balancing income, risk and preservation. We have a well-established process in place for this stage that includes continual asset monitoring, purposeful investing and ongoing communications with you.
Lastly, we’ll focus on your legacy. We’ll develop and implement a seamless plan to take care of those individuals or causes that matter most to you.
Holistic Planning
We believe it’s essential to provide comprehensive planning and financial services to our clients. We offer advice on both sides of your balance sheet, investing and lending. We also embrace your banking needs, including cash management. All of this is important because thoughtful budgeting and planning can potentially lead to better financial outcomes, as well as less stress in your life.
By combining our professional advice with the services provided by one of the nation’s premier wealth management organizations, we help ensure that all components of your financial life work together in harmony for you.
Commitment to You
Our clients’ success is the true barometer for our practice. We never forget that we serve you, and recognize that ultimately you’re in charge. So, we strive to provide a concierge experience that’s built around your needs, lifestyle and priorities.
Additionally, the founding members of our team each have at least 15 years of experience in financial services. We’ve successfully navigated clients through challenging markets and macro events. And since we began our financial careers directly out of college, we’re still young enough to guide you through your retirement.
Securities Agent: CA, NC, PR, NH, OH, VA, AL, TN, AZ, NM, KY, GA, MI, CT, CO, TX, IL, MN, NY, LA, SC, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 697690
NMLS#: 697690
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
While we have the experience necessary to advise clients at any stage of their lives, we frequently work with those who are nearing retirement or already retired. This includes individuals from a broad range of backgrounds, such as corporate executives, business owners, entrepreneurs, attorneys, venture capital investors, real estate developers, teachers, firefighters and police officers.
The single most common characteristic our clients share? It’s that they’ve done a good job of saving for their retirement and take this matter seriously.
The single most common characteristic our clients share? It’s that they’ve done a good job of saving for their retirement and take this matter seriously.
Working with Us
What can you expect as a new client? Here’s an overview of our process.
Stage #1: We want to know you not only as a client, but as an individual. So, while we’ll ask about your financial picture, we’ll also ask questions about your life. Why are you here? What do you need help with? What keeps you up at night? What are you aspirations? We plan on being your trusted advisor for the long term, so it’s important to have a holistic understanding about you.
Stage #2: We’ll thoroughly review all the information gathered, and assess your current status relative to your objectives and goals. We’ll then present you with a financial roadmap filled with strategies and insights to help you arrive at your destination—while helping minimize your risk along your journey. Questions are encouraged because we want you to feel comfortable and confident about your plan.
Stage #3: Transparency and trust are important to us. So, we’ll discuss all potential fees with you upfront—even those that may not appear on your financial statements, such as mutual fund costs or other often hidden expenses.
Stage #4: Once you agree to move forward, we’ll begin the onboarding process. We’ll walk you through every step of the transition—including opening your account, transferring funds and establishing your Morgan Stanley Online account—and make it easy for you.
Stage #5: We’ll provide ongoing monitoring of your plan to help ensure it stays on track. If any modifications may be necessary, we’ll let you know and explain why. We also urge you to share any new developments in your life—such as shifting priorities, unforeseen expenses or unexpected income demands—that may impact your plan.
Stage #1: We want to know you not only as a client, but as an individual. So, while we’ll ask about your financial picture, we’ll also ask questions about your life. Why are you here? What do you need help with? What keeps you up at night? What are you aspirations? We plan on being your trusted advisor for the long term, so it’s important to have a holistic understanding about you.
Stage #2: We’ll thoroughly review all the information gathered, and assess your current status relative to your objectives and goals. We’ll then present you with a financial roadmap filled with strategies and insights to help you arrive at your destination—while helping minimize your risk along your journey. Questions are encouraged because we want you to feel comfortable and confident about your plan.
Stage #3: Transparency and trust are important to us. So, we’ll discuss all potential fees with you upfront—even those that may not appear on your financial statements, such as mutual fund costs or other often hidden expenses.
Stage #4: Once you agree to move forward, we’ll begin the onboarding process. We’ll walk you through every step of the transition—including opening your account, transferring funds and establishing your Morgan Stanley Online account—and make it easy for you.
Stage #5: We’ll provide ongoing monitoring of your plan to help ensure it stays on track. If any modifications may be necessary, we’ll let you know and explain why. We also urge you to share any new developments in your life—such as shifting priorities, unforeseen expenses or unexpected income demands—that may impact your plan.
- What can you expect as a new client? Here’s an overview of our process. Stage #1: We want to know you not only as a client, but as an individual. So, while we’ll ask about your financial picture, we’ll also ask questions about your life. Why are you here? What do you need help with? What keeps you up at night? What are you aspirations? We plan on being your trusted advisor for the long term, so it’s important to have a holistic understanding about you. Stage #2: We’ll thoroughly review all the information gathered, and assess your current status relative to your objectives and goals. We’ll then present you with a financial roadmap filled with strategies and insights to help you arrive at your destination—while helping minimize your risk along your journey. Questions are encouraged because we want you to feel comfortable and confident about your plan. Stage #3: Transparency and trust are important to us. So, we’ll discuss all potential fees with you upfront—even those that may not appear on your financial statements, such as mutual fund costs or other often hidden expenses. Stage #4: Once you agree to move forward, we’ll begin the onboarding process. We’ll walk you through every step of the transition—including opening your account, transferring funds and establishing your Morgan Stanley Online account—and make it easy for you. Stage #5: We’ll provide ongoing monitoring of your plan to help ensure it stays on track. If any modifications may be necessary, we’ll let you know and explain why. We also urge you to share any new developments in your life—such as shifting priorities, unforeseen expenses or unexpected income demands—that may impact your plan.
Our Philosophy
All aspects of your financial life should work in harmony toward a single objective.
We use a thoughtful, team-based approach in an effort to ensure your assets and liabilities help maximize your family’s long-term net worth, while meeting your current income needs. Over time, fractions of a percentage can mean large sums of money when compounded. We can manage both your assets and your debts efficiently. When you effectively combine a strategy for both assets and liabilities with tax-advantaged ideas, you have a recipe for success.
We invest with a strong emphasis on cash flow into your portfolio. Our goal is to keep the dividend and interest income from your portfolio meaningfully higher than the average dividend of the stock market. This allows the dividend and interest generated within the portfolio to cover most of your income needs while in retirement, allowing for the principal to continue to grow over time.
For individuals who aren’t retired and still in the accumulation phase, this fresh influx of capital into your portfolio can be used in all types of markets to purchase additional shares of high-quality companies.
This approach is important because it’s more predictable than relying only on growth. Additionally, you can generate growth on top of the dividends.
Disclaimer:
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
We use a thoughtful, team-based approach in an effort to ensure your assets and liabilities help maximize your family’s long-term net worth, while meeting your current income needs. Over time, fractions of a percentage can mean large sums of money when compounded. We can manage both your assets and your debts efficiently. When you effectively combine a strategy for both assets and liabilities with tax-advantaged ideas, you have a recipe for success.
We invest with a strong emphasis on cash flow into your portfolio. Our goal is to keep the dividend and interest income from your portfolio meaningfully higher than the average dividend of the stock market. This allows the dividend and interest generated within the portfolio to cover most of your income needs while in retirement, allowing for the principal to continue to grow over time.
For individuals who aren’t retired and still in the accumulation phase, this fresh influx of capital into your portfolio can be used in all types of markets to purchase additional shares of high-quality companies.
This approach is important because it’s more predictable than relying only on growth. Additionally, you can generate growth on top of the dividends.
Disclaimer:
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Location
7755 Montgomery Road 2nd
2nd Floor
Cincinnati, OH 45236
US
Direct:
(513) 762-5223(513) 762-5223
Fax:
(513) 322-4556(513) 322-4556
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
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
Wealth Management
Global Investment Office
Portfolio Insights
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1Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance 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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance 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)
