My Background, Experience, and Family

Rick is a First Vice President, Financial Advisor with Morgan Stanley, and a Portfolio Management Director.  Rick graduated from Boston University with a Bachelor of Science in Business Administration/Finance, and an International Finance Minor through the London School of Economics.  From 1990 to 1999, Rick was a Floor Trader and Portfolio Manager on the London, New York, and Philadelphia financial exchanges.  Since 1999, Rick has been a Financial Advisor & Portfolio Manager with Smith Barney (until 2007), and with Morgan Stanley. 

Rick has been happily married to Keirsten since 1993. They have two great sons named Connor and Keith, and live in the quiet countryside of Hilltown, Pennsylvania with their chinook dog Dakota and one-eyed rescue cat Bagheera.  Both Connor and Keith are graduates of LaSalle College High School.  Keith is a college athlete at Ursinus College in Collegeville PA, and Connor a college athlete at West Chester University in West Chester PA.  Rick was born in Bellefonte, PA (near Penn State) and raised in Huntingdon Valley, PA.  When not working with his clients, Rick enjoys surfing, high school & college football, boating, traveling, and spending time with his family and friends.

Drawing on over 27 years of experience, Rick helps a select group of successful families, business owners, and executives manage their wealth.
Services Include
  • Financial Planning1
  • Professional Portfolio Management2
  • Retirement Planning3
  • Divorce Financial Analysis4
  • Estate Planning Strategies5
  • 401(k) Rollovers
Securities Agent: PA, VA, UT, SD, SC, OR, OH, NY, NM, NJ, NC, MD, MA, LA, KY, FL, DE, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Rick's 10 Core Beliefs

1.    Real wealth comes from three basic things: personal initiative, hard work, and savings.

2.    You shouldn’t live life to make money. You should make money to live life.

3.    Yes, investment cost efficiency is important. The 4 key criteria for evaluating an investment choice are risk, return, taxes, and cost. The most successful portfolios balance all four.

4.    Trust is earned, one little piece at a time, by being honest at all times. That means doing what is right is the only choice.

5.    A simple, written, evolving Financial Plan is essential for those serious about their money.

6.    Consider yourself the equal of everyone. No one should look down or up to you.

7.    If you rush into retirement without first seriously considering how much withdrawal pressure you can put on your money before it breaks, you will set yourself up for Financial Destruction on the Installment Plan.

8.    Following the trend through Relative Strength, coupled with simple fundamental analysis, is the most powerful process for choosing investments to include in a portfolio. It is even more powerful for choosing which investments to exclude.

9.    Aging, without seriously trying to protect your wealth through Estate Planning, is a mean and selfish thing to do to the people you love.

10.   Every year, many investors build portfolios that are risk, return, tax, and cost efficient. Then the markets cycle up and down. And lots of those investors either get greedy during an up cycle and buy "what’s hot", or get fearful in a down cycle and sell low in a panic. Investor behavior (good or bad) always trumps investment selection.





CRC 1616338

    What Real Financial Advisors Do For Their Clients

    They:

    Explain the exact nature of their relationship with you, including how they are paid
    Systematically analyze your portfolio for cost-efficiency
    Make conflict-free recommendations
    Educate you so you know exactly what you are investing in, and why
    Help you integrate your 401(k)/403(b) plans with your other investments
    Follow a long-term investment process that ignores short-term outcomes, which are usually based on luck
    Apply risk management strategies that have high probabilities of being successful
    Seek to manage your behavior and keep you from acting impulsively
    Help keep you focused on the things you can control

    Construct and Update your family’s written Financial Plan
    Use your Financial Plan to help you find your financial blind spots and seek peace of mind
    Talk with you about strategies to efficiently fund college educations
    Create your retirement income plan by coordinating your Social Security benefits with your spouse’s benefits, and any pensions
    Educate you as to what is considered a safe withdrawal rate for your portfolio
    Talk with you about when to start Social Security, and which strategy fits best for you
    Talk with you about your legacy, and efficient wealth transfer techniques
    Talk with you about the relationship between your portfolio and your taxes
    Offer to meet with your accountant and estate attorney, and be the quarterback of your wealth team
    Help clients who own businesses understand, select, and build the right company retirement plan
    Advise clients on efficient strategies for preserving and transferring IRA assets, including Roth conversions

    Develop criteria for their ideal client, and are willing to tell you that you might not be a good fit
    Work with a limited number of clients
    Communicate with you in the way you are most comfortable; in person, telephone, email, or a combination
    Provide you with responsive and caring service

      Client Service Team

      • Kathy Bogle - Senior Registered Associate
        Direct:  215-230-2927
        Email: kathryn.bogle@morganstanley.com


        General administrative issues, including address changes, transfers, account forms, and signature forms.
        Dividend, interest, and IRA distributions checks and transfers.
        Monthly statement & 1099 tax form reprints or questions.
        Time-sensitive order and trade entry.
        Appointment scheduling.

      Location

      4259 West Swamp Road
      Suite 400
      Doylestown, PA 18902
      US
      Direct:
      (215) 230-6915(215) 230-6915

      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      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
      Five Smart Strategies to Use a Bonus or Raise

      Five Smart Strategies to Use a Bonus or Raise

      Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

      More from Morgan Stanley

      Consolidate Your Cash at a Competitive Rate

      Consolidate Your Cash at a Competitive Rate

      2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
      Learn more about Consolidate Your Cash at a Competitive Rate
      Morgan Stanley and Justin Rose: A Winning Team

      Morgan Stanley and Justin Rose: A Winning Team

      Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
      Learn more about Morgan Stanley and Justin Rose: A Winning Team
      Your Financial World. On the Go.

      Your Financial World. On the Go.

      With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
      Learn more about Your Financial World. On the Go.
      Reserved | Living & Giving

      Reserved | Living & Giving

      Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
      Learn more about Reserved | Living & Giving
      Sign Up for eDelivery

      Sign Up for eDelivery

      With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
      Learn more about Sign Up for eDelivery
      Access Morgan Stanley Online

      Access Morgan Stanley Online

      Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
      Learn more about Access Morgan Stanley Online
      Ready to start a conversation? Contact Rick Wagner today.
      Market Information Delayed 20 Minutes
      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.

      2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

      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.

      5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

      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 suitable 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”) 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.


      CRC 2019752 10/2018