Richard W Lyons, CFP®
First Vice President,
Financial Advisor,
Portfolio Management Director,
Alternative Investments Director,
Insurance Planning Director
Direct:
(603) 422-8909(603) 422-8909
Toll-Free:
(888) 274-4944(888) 274-4944
My Mission Statement
Multigenerational Solutions to Help Achieve Long-Standing Financial Wellness
My Story and Services
Richard W. Lyons is First Vice President, Portfolio Management Director and Alternative Investments Director with Morgan Stanley’s Wealth Management division. For more than 40 years, he has earned the reputation of providing highly customized advice, investment solutions, and wealth management services to high net worth individuals, business owners, foundations and endowments. He listens carefully to his clients’ goals, values and concerns, and works tirelessly in an effort to make a difference in their lives by providing holistic wealth planning services with passion and integrity.
Over the course of his long and rewarding career, Richard has had the unique opportunity to work for three global financial services firms: Kidder Peabody, UBS Financial and Morgan Stanley. This collective experience has provided him with a diverse set of skills and experience. In 2003, Richard joined Smith Barney as the Resident Manager of the Portsmouth, NH office. After the merger of Smith Barney and Morgan Stanley, Richard was selected as the Branch Manager of the Portsmouth, NH office. In this role, he is responsible for cultivating a growing team of financial advisors whose products, solutions, and global insights deliver a differentiating service experience to their clients.
A graduate of Colby College with a degree in Economics, Richard has continued to invest in his education throughout his career. In 2008, Richard was recognized as a Senior Portfolio Manager at Morgan Stanley and in 2012 he was again recognized as a Portfolio Management Director which enables him to manage client assets on a discretionary basis in the Portfolio Management program. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions. I
Richard is a current resident of Portsmouth with his wife, Joan, and their children, Daniel and Christina. A dedicated professional who spends long hours at work, he is also devoted to serving his community through his involvement in Rotary, The Holocaust and Human Rights Center of Maine and The Child Advocacy Center of Rockingham County. When Richard is not assisting clients or helping his local community, he enjoys golfing, skiing and spending time with family and friends.
Over the course of his long and rewarding career, Richard has had the unique opportunity to work for three global financial services firms: Kidder Peabody, UBS Financial and Morgan Stanley. This collective experience has provided him with a diverse set of skills and experience. In 2003, Richard joined Smith Barney as the Resident Manager of the Portsmouth, NH office. After the merger of Smith Barney and Morgan Stanley, Richard was selected as the Branch Manager of the Portsmouth, NH office. In this role, he is responsible for cultivating a growing team of financial advisors whose products, solutions, and global insights deliver a differentiating service experience to their clients.
A graduate of Colby College with a degree in Economics, Richard has continued to invest in his education throughout his career. In 2008, Richard was recognized as a Senior Portfolio Manager at Morgan Stanley and in 2012 he was again recognized as a Portfolio Management Director which enables him to manage client assets on a discretionary basis in the Portfolio Management program. This can be an important benefit for clients, as it avoids delays in making timely financial management decisions. I
Richard is a current resident of Portsmouth with his wife, Joan, and their children, Daniel and Christina. A dedicated professional who spends long hours at work, he is also devoted to serving his community through his involvement in Rotary, The Holocaust and Human Rights Center of Maine and The Child Advocacy Center of Rockingham County. When Richard is not assisting clients or helping his local community, he enjoys golfing, skiing and spending time with family and friends.
Securities Agent: MI, MA, WV, PA, NV, MO, MD, RI, ME, TX, FL, DE, WI, SC, OH, NY, NH, MN, ID, VT, IL, AZ, UT, GA, OR, CT, CO, CA, WA, VA, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 174636
CA Insurance License #: 0M21824
NMLS#: 174636
CA Insurance License #: 0M21824
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Invest in What Lasts
A legacy plan can ensure continuity of not just your wealth, but also serves to help preserve and grow the things money can’t buy: values, ideals, integrity.
What can you give to your family and future generations that is truly lasting? What impact do you want your wealth to have? How will your values be upheld? Although end-of-life issues can be difficult to think about, legacy planning is an essential part of your family’s wealth management resources. A legacy plan helps the continuity of not just your wealth, but also serves to help preserve and grow the things money can’t buy: values, ideals, integrity.
Many people think that legacy planning boils down to drawing up an estate plan. But an estate plan is just one component of legacy planning. An estate plan sets up structures to deal with the transfer of property to your beneficiaries, such as wills, trusts or other vehicles. These documents will help dispose of your property effectively and efficiently, and may minimize the burden of estate taxes on your heirs.
However, traditional estate planning doesn’t typically tackle the “big picture”— for example, how you’d like to be remembered, or your hopes for what your children will accomplish. A legacy plan addresses these larger issues, creating an opportunity to communicate your values and be prepared against things that can get in their way.
A legacy plan may cover many areas of your life: retirement, goals for furthering education, strategic family philanthropy and creating a shared family mission, or addressing important issues of a family business. It begins with a conversation—sitting down and talking frankly about what wealth stands for beyond the number on a balance sheet. For example, if you value philanthropic giving, you could get your loved ones involved in the charities you support. Or maybe you’re interested in setting up a fund to cover education costs for younger family members. Or you may need to create a succession plan for your business.
This initial conversation is crucial, but most people don’t have a lot of practice talking together as a family about either wealth or values—let alone how the former can put the latter into action. Broaching the subject can be daunting.
What can you give to your family and future generations that is truly lasting? What impact do you want your wealth to have? How will your values be upheld? Although end-of-life issues can be difficult to think about, legacy planning is an essential part of your family’s wealth management resources. A legacy plan helps the continuity of not just your wealth, but also serves to help preserve and grow the things money can’t buy: values, ideals, integrity.
Many people think that legacy planning boils down to drawing up an estate plan. But an estate plan is just one component of legacy planning. An estate plan sets up structures to deal with the transfer of property to your beneficiaries, such as wills, trusts or other vehicles. These documents will help dispose of your property effectively and efficiently, and may minimize the burden of estate taxes on your heirs.
However, traditional estate planning doesn’t typically tackle the “big picture”— for example, how you’d like to be remembered, or your hopes for what your children will accomplish. A legacy plan addresses these larger issues, creating an opportunity to communicate your values and be prepared against things that can get in their way.
A legacy plan may cover many areas of your life: retirement, goals for furthering education, strategic family philanthropy and creating a shared family mission, or addressing important issues of a family business. It begins with a conversation—sitting down and talking frankly about what wealth stands for beyond the number on a balance sheet. For example, if you value philanthropic giving, you could get your loved ones involved in the charities you support. Or maybe you’re interested in setting up a fund to cover education costs for younger family members. Or you may need to create a succession plan for your business.
This initial conversation is crucial, but most people don’t have a lot of practice talking together as a family about either wealth or values—let alone how the former can put the latter into action. Broaching the subject can be daunting.
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Location
1 Harbour Place
Ste 125
Portsmouth, NH 03801
US
Direct:
(603) 422-8909(603) 422-8909
Toll-Free:
(888) 274-4944(888) 274-4944
Fax:
(603) 371-2332(603) 371-2332
Wealth Management
Global Investment Office
Portfolio Insights
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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 Richard W Lyons today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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)
