Michael Ryan
Private Banker
Rick Gumina, CRPS®, QPFC, C(k)P
Senior Vice President,
Financial Advisor,
Corporate Retirement Director,
Workplace Advisor - Equity Compensation,
Senior Portfolio Management Director,
Financial Wellness Director,
Chartered Retirement Plans Specialist
Direct:
(732) 389-5197(732) 389-5197
Industry Award WinnerMy Mission Statement
Experience, intellectual capital and dedicated personal service that make a difference.
Rick's Story
Rick is a distinguished Financial Advisor at Morgan Stanley, bringing over 20 years of experience in private wealth management, institutional consulting, and corporate advisory. His extensive expertise and commitment to both private wealth management and corporate advisory are a valuable differentiator for the advice and guidance he can provide to founders, entrepreneurs, business owners, and corporate executives. Leveraging proficiency in employer sponsored savings plans, deferred compensation, equity compensation, and pre-liquidity/exit planning translates into enhanced tax management and investment planning strategies for clients - as well as providing the resources to enhance retirement outcomes for their colleagues and employees backed by the strength of a specialized team.
His dedication and experience has garnered him significant industry recognition including such accolades such as being recognized as a Forbes Best in State Wealth Manager in 2025, a Top 401k Advisor by the Financial Times in 2019, and receiving the NJ Monthly 5 Star Wealth Manager Award from 2015 to 2025. Rick's team has also been honored by Forbes as a Best in State Wealth Management Team, and by NAPA as a Top Defined Contribution Plan Advisory Team for 2024 and 2025.
Rick holds a B.S. in Business Administration from Monmouth University and has achieved advanced certifications, including Chartered Retirement Plans Specialist (CRPS) from the College for Financial Planning, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisor, and Certified 401(k) Professional from The Retirement Advisor University – Anderson School of Management UCLA.
Active in his community in Monmouth County, NJ, where he is a member of the Monmouth University Business Council, served on the board of directors for the Eastern Monmouth Area Chamber of Commerce, and participates in the Monmouth University Executive Mentoring Program. For leisure, Rick enjoys traveling with his family, staying up to date with the latest technology, and cooking, particularly perfecting his BBQ skills with his backyard smoker.
2025 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Award Disclosures: www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
NAPA Net The Magazine: NAPA’s, “Top DC Advisors Teams,” (March 2025). The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association, and based on the team’s defined contributions assets under advisement as of December 31, 2024.
www.morganstanley.com/disclosures/awards-disclosure.html
NAPA Net The Magazine: NAPA’s, “Top DC Advisors Teams,” (March 2024). The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association, and based on the team’s defined contributions assets under advisement as of December 31, 2023
www.morganstanley.com/disclosures/awards-disclosure.html
Financial Times 400 Top Financial Advisors 2019
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
*Five Star Wealth Manager Award 2015, 2021, 2022 and 2023
Source: fivestarprofessional.com (Awarded 2015, 2021, 2022 and 2023). Data compiled by Five Star Professional based on the following time periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 04/12/2021 through 10/15/2021
2023 Award - 03/21/2022 through 10/18/2022
2024 Award - 03/13/2023 through 09/29/2023
2025 Award - 03/13/2023 through 09/29/2023
For criteria & methodology, go to https://fivestarprofessional.com/public/wmresearch
His dedication and experience has garnered him significant industry recognition including such accolades such as being recognized as a Forbes Best in State Wealth Manager in 2025, a Top 401k Advisor by the Financial Times in 2019, and receiving the NJ Monthly 5 Star Wealth Manager Award from 2015 to 2025. Rick's team has also been honored by Forbes as a Best in State Wealth Management Team, and by NAPA as a Top Defined Contribution Plan Advisory Team for 2024 and 2025.
Rick holds a B.S. in Business Administration from Monmouth University and has achieved advanced certifications, including Chartered Retirement Plans Specialist (CRPS) from the College for Financial Planning, Qualified Plan Financial Consultant (QPFC) from the National Association of Plan Advisor, and Certified 401(k) Professional from The Retirement Advisor University – Anderson School of Management UCLA.
Active in his community in Monmouth County, NJ, where he is a member of the Monmouth University Business Council, served on the board of directors for the Eastern Monmouth Area Chamber of Commerce, and participates in the Monmouth University Executive Mentoring Program. For leisure, Rick enjoys traveling with his family, staying up to date with the latest technology, and cooking, particularly perfecting his BBQ skills with his backyard smoker.
2025 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Award Disclosures: www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
NAPA Net The Magazine: NAPA’s, “Top DC Advisors Teams,” (March 2025). The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association, and based on the team’s defined contributions assets under advisement as of December 31, 2024.
www.morganstanley.com/disclosures/awards-disclosure.html
NAPA Net The Magazine: NAPA’s, “Top DC Advisors Teams,” (March 2024). The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association, and based on the team’s defined contributions assets under advisement as of December 31, 2023
www.morganstanley.com/disclosures/awards-disclosure.html
Financial Times 400 Top Financial Advisors 2019
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html
*Five Star Wealth Manager Award 2015, 2021, 2022 and 2023
Source: fivestarprofessional.com (Awarded 2015, 2021, 2022 and 2023). Data compiled by Five Star Professional based on the following time periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 04/12/2021 through 10/15/2021
2023 Award - 03/21/2022 through 10/18/2022
2024 Award - 03/13/2023 through 09/29/2023
2025 Award - 03/13/2023 through 09/29/2023
For criteria & methodology, go to https://fivestarprofessional.com/public/wmresearch
Securities Agent: WA, VA, TX, PA, OH, NY, NV, NJ, NC, MI, MD, MA, LA, IL, FL, DC, CA, AZ, CO, AL, SC, DE, GA, CT, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279549
NMLS#: 1279549
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth Planning Overview
As your dedicated advisor, my priority is helping you achieve your financial goals with confidence and clarity. By leveraging Morgan Stanley's full suite of wealth management resources, I'll work with you to align strategies with your values, protect your legacy, and create opportunities for long-term financial success.
Cash Management and Lending
As a client, you will have access to a comprehensive suite of cash management solutions that offer a competitive alternative to traditional banking. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can utilize these solutions to effectively manage your daily finances. Additionally, we offer qualified clients financing options for nearly any personal or business need by using eligible securities in your brokerage account as collateral for a flexible line of credit.
Professional Portfolio Management
Managing an investment portfolio should be a consultative and disciplined process that harmonizes your investment preferences with a detailed analysis of the financial markets. By collaborating, we develop a personalized strategy that incorporates time-tested investment principles to ensure your assets grow appropriately or provide the cash flow or income you need.
Income and Estate Planning Toolkit
We work in partnership with Morgan Stanley's Family Office Resources Group to identify and implement the tax and estate strategies that best align with our clients' financial goals, values, and liquidity needs. This guide assists our clients in gaining a general understanding of tax and estate planning techniques and their financial implications.
Disclaimer:
The term "Family Office Resources" is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Hedging Strategies & Portfolio Risk Platform
Our comprehensive approach to managing risk combines effective hedging strategies with our advanced Portfolio Risk Platform. Hedging strategies are designed to mitigate the impact of short-term corrections in asset prices, with effectiveness and cost being the primary considerations. We assist in removing the uncertainty of how to hedge against various types of risk, tailored to your personal situation.
Complementing this, our Portfolio Risk Platform utilizes institutional-caliber analytics to evaluate thousands of risk factors through a holdings-based approach. This allows us to assess a portfolio's exposures, analyze how securities interact across portfolios, and forecast their influence on risk and return moving forward.
Endowments and Foundations
Committees and administrators face the intricate task of crafting suitable investment policy statements, evaluating performance, and identifying top-tier fund managers. We assist you and your investment committee in mitigating risk and enhancing returns, enabling you to preserve principal and generate income for your philanthropic initiatives.
Lifecycle of an Entrepreneur Toolkit
For entrepreneurs, assembling a cohesive advisory team that offers legal, tax, investment banking, and investment guidance is essential. This toolkit highlights the strategic decisions and considerations that emerge as an entrepreneur advances through their lifecycle—from establishing a business to engaging in post-liquidity financial planning.
Pre-Liquidity Planning
If future growth in value is anticipated, liquidity events such as mergers, acquisitions, or initial public offerings can offer opportunities for income and estate planning. These events also underscore the importance of creating or updating key estate planning documents. For more information on how our team can assist you, please review the following brochure.
Trust & Estate Planning Strategies
We are committed to supporting you at every stage. We carefully assess your tax and estate structures to ensure their tax characteristics are precisely incorporated into the asset allocation analysis we perform for you.
Philanthropic Planning
Your philanthropic goals are as unique as your vision for a better world. However, defining these objectives can be challenging given the multitude of worthy causes and unmet needs.
Retirement Planning
As you approach and move through retirement, we will work together to identify the most appropriate investments to protect your financial future and legacy. By regularly monitoring and updating your plan, we help ensure you have the income and resources needed to enjoy the lifestyle you envison.
Workplace Financial Benefits with Morgan Stanley at Work
Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.
Corporate Retirement Fiduciary Advisory & Consulting
Retirement plans should meet the needs of your company and employees alike. Our Financial Advisors can help you understand your options.
Learn More Here
Employee Financial Wellness
Meet a financial benefit offering that works. Help improve recruitment and retention and build the well-being of your employees on their terms.
Learn More Here
Non-Qualified Deferred Compensation
Explore a variety of services tailored to Nonqualified Deferred Compensation plans, or select those that align with your specific requirements. Our offerings include comprehensive recordkeeping and plan design, portfolio construction services, and educational programs for your executive team. We assist in identifying the optimal plan design and developing a funding strategy through a needs-based assessment and consultative approach.
Our services encompass:
• Recordkeeping and Plan Design
• Portfolio Construction
• Wealth Management Services
Learn More HereOur services encompass:
• Recordkeeping and Plan Design
• Portfolio Construction
• Wealth Management Services
Corporate Cash Management
No two companies are alike. That’s why our customized portfolios are structured according to your organization’s unique needs and liquidity profile.
Learn More Here
Corporate Stock Plans
Stock options offer you a chance to benefit from your company's growth without financial risk until you exercise them to purchase shares. Unlike cash bonuses and other compensation forms, stock options typically defer income taxes until exercised, allowing for potential pre-tax growth.
Learn More Here
Rule 10b5-1
Rule 10b5-1 allows company insiders to set up plans for buying or selling company stock in advance, helping them comply with insider trading laws and avoid accusations of insider trading. Executives can create or change these plans when they are allowed to trade under the company's insider trading policy. However, they cannot make or change a plan if they have important nonpublic information. We help founders understand and follow this process correctly.
Learn More Here
Corporate Tenders & Liquidity Programs
Access tailored solutions and support to run liquidity events and manage secondary transactions with confidence.
Learn More Here409A Valuations
Work with an experienced 409A Valuation provider to help manage compliance and receive valuations you can trust.
Learn More Here
IPO Readiness
If a company is thinking of going public or conducting a shareholder liquidity event in the future, here are three things it may consider to become transaction-ready.
Learn More Here
Employee Stock Ownership Plan
Here are answers to seven common questions that employees have about their ESPP.
Learn More HereMy Services:
Managing comprehensive retirement savings plans for your organization takes a unique set of skills. As a fiduciary, you are responsible for selecting and monitoring service providers and investments while also being committed to understanding and implementing ERISA regulations. You must also continue to create fresh strategies to encourage your employees to take full advantage of the program. For many plan sponsors, these responsibilities can be overwhelming.
That's where I can help.
With a commitment to outstanding service and an emphasis on excellence, my mission is simple: to provide objective and high-quality guidance, specialized knowledge and experience, and tailored solutions to empower your organization to make informed decisions about the retirement benefits you offer to your employees. Managing retirement benefits that align with your organization’s vision involves many decisions across multiple disciplines. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees.
That's where I can help.
With a commitment to outstanding service and an emphasis on excellence, my mission is simple: to provide objective and high-quality guidance, specialized knowledge and experience, and tailored solutions to empower your organization to make informed decisions about the retirement benefits you offer to your employees. Managing retirement benefits that align with your organization’s vision involves many decisions across multiple disciplines. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees.
I take pride in helping plan fiduciaries and investment committees feel confident in their decisions through process and customized solutions to simplify even the most complex challenges. I know what it takes to achieve results and drive outcomes by fully leveraging all the resources available through Morgan Stanley at Work to support your vision.
My comprehensive approach assists sponsors design and manage the best possible benefit offerings, navigate their fiduciary responsibilities, and help their employees understand how to make the most of the benefits they are being offered. Morgan Stanley at Work’s breadth of integrated solutions provides maximum flexibility so you may define the service model and level of discretion that best meet your organization’s needs today and in the future. No matter your challenges and goals, we have resources to deliver the solutions that you and your employees deserve.
My comprehensive approach assists sponsors design and manage the best possible benefit offerings, navigate their fiduciary responsibilities, and help their employees understand how to make the most of the benefits they are being offered. Morgan Stanley at Work’s breadth of integrated solutions provides maximum flexibility so you may define the service model and level of discretion that best meet your organization’s needs today and in the future. No matter your challenges and goals, we have resources to deliver the solutions that you and your employees deserve.
Monmouth University Executive Mentoring Member
Counsel Member
Eastern Monmouth County Chamber of Commerce
Board Member
Monmouth University Business Council
Counsel Member
Forbes Best-In-State Wealth Advisors 2025
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Team 2024-2025
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
NAPA Top DC Advisor Team 2024-2025
Source: napa-net.org awarded in 2024 and 2025. Each ranking was determined based on self-reported defined contribution (DC) assets under advisement (AUA) as of Dec. 31 of the year prior to the year the award was given. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to NAPA to obtain or use the ranking. Nominees must be individual advisor team/offices with a defined contribution book of business, in a single physical location. To be considered, firms had to submit responses to an application form, including information about their practices, notably their defined contribution (DC) assets under advisement. The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association. Ratings are based on the opinion of NAPA and may not be representative of any one client’s experience nor indicative of the advisor’s future performance.
©2024 Morgan Stanley Smith Barney LLC. Member SIPC.
©2024 Morgan Stanley Smith Barney LLC. Member SIPC.
2019 Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from
6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Client Service Team
Cheryl Mara - Group Director, Assistant Vice President
Phone:
(732) 389-8649(732) 389-8649
Email:Cheryl.A.Mara@MorganStanley.com
Diana Bredbenner - Senior Client Service Associate
Phone:
(732) 389-8637(732) 389-8637
Email:Diana.L.Bredbenner@MorganStanley.com
Chris King - Consulting Group Analyst
Phone:
(732) 389-5179(732) 389-5179
Email:Christopher.King@MorganStanley.com
Jason Skolnik - Registered Senior Client Service Associate
Phone:
(732) 389-8669(732) 389-8669
Email:Jason.Skolnik@morganstanley.com
Location
1030 Broad Street
3rd Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 389-5197(732) 389-5197
Fax:
(732) 544-9070(732) 544-9070
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Financial Times 401 Top Retirement Advisors
Financial Times 401 Top Retirement Advisors Source: ft.com (Awarded Oct 2019) Data compiled by the Financial Times based on time period from 12/31/15 - 12/31/18.
NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
2018 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)Source: napa-net.org (Awarded Nov 2017) Data compiled by NAPA based on time period from Aug 2016-Aug 2017.
NAPA's Top DC Advisor Teams
2024-2025 NAPA's Top DC Advisor Teams Source: Source: napa-net.org (Awarded 2024-2025) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
5
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
James Fitzgerald
Senior Vice President, Financial Advisor
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and New York.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his 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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From My Desk
December Washington Update
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Rational Investing in an Age of Uncertainty
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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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Rick Gumina 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan 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.
7Morgan 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.
8Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
