Ryan Belmer, CEPA®
Senior Vice President,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(858) 729-5013(858) 729-5013
My Mission Statement
We empower an exclusive group of exceptional families and their businesses to navigate financial complexity and uncertainty with confidence.
Welcome
Ryan’s career began in 1994 at M.L. Stern, based out of Beverly Hills, California, where he focused on managing municipal, government, and corporate bond portfolios. Additionally, over the last 30 years, Ryan has been focusing on managing equity and options portfolios, as well as alternative investments.
Ryan has guided clients through countless challenging market and economic conditions. The most consistent factor throughout this guidance has been constant lines of open communication, prioritizing personalized financial strategies with each of his clients. Ryan prioritizes focusing on what is important to each person and family, ensuring a plan is always in place to help meet their goals in an efficient and meaningful manner. It is all about communication and listening to your clients.
Ryan held a position as a board member for Monarch School Project San Diego, and USO. As a board member for over 24 years Meals on Wheels Greater San Diego, he spends his spare time volunteering for this local organization. He has always felt passionately about giving back to communities that have gave so much to us. Ryan earned his Bachelor of Arts in Economics from San Diego State University. He has also earned his CEPA certification, which is special designation of helping businesses managing liquidity events, recognizing hard work to retirement. Ryan lives in Solana Beach, CA with his daughters Alexa and Kayla. He is also a very active surfer, having traveled internationally to further explore this sport.
Imagine working with experienced professionals who can help you:
• Make more informed decisions
• Manage risk more effectively
• Uncover opportunities
• Gain more financial control
• Fulfill a work-optional lifestyle
• Strengthen your legacy
Confidence to pursue your goals
• Connection - Our personal experiences, values and professional mission align to create strong client connections
• Chemistry - We look beyond your finances to understand what is truly important to you
• Commitment - We go the extra mile to help meet your needs. We'll challenge the proverbial "no" when "yes" may be the answer
• Communication - Our well-defined service model is designed for you to receive the information, insights and transparency you deserve
• Credentials - Our team is synergetic with breadth and depth, unique abilities and designations that hallmark professional excellence
Ryan has guided clients through countless challenging market and economic conditions. The most consistent factor throughout this guidance has been constant lines of open communication, prioritizing personalized financial strategies with each of his clients. Ryan prioritizes focusing on what is important to each person and family, ensuring a plan is always in place to help meet their goals in an efficient and meaningful manner. It is all about communication and listening to your clients.
Ryan held a position as a board member for Monarch School Project San Diego, and USO. As a board member for over 24 years Meals on Wheels Greater San Diego, he spends his spare time volunteering for this local organization. He has always felt passionately about giving back to communities that have gave so much to us. Ryan earned his Bachelor of Arts in Economics from San Diego State University. He has also earned his CEPA certification, which is special designation of helping businesses managing liquidity events, recognizing hard work to retirement. Ryan lives in Solana Beach, CA with his daughters Alexa and Kayla. He is also a very active surfer, having traveled internationally to further explore this sport.
Imagine working with experienced professionals who can help you:
• Make more informed decisions
• Manage risk more effectively
• Uncover opportunities
• Gain more financial control
• Fulfill a work-optional lifestyle
• Strengthen your legacy
Confidence to pursue your goals
• Connection - Our personal experiences, values and professional mission align to create strong client connections
• Chemistry - We look beyond your finances to understand what is truly important to you
• Commitment - We go the extra mile to help meet your needs. We'll challenge the proverbial "no" when "yes" may be the answer
• Communication - Our well-defined service model is designed for you to receive the information, insights and transparency you deserve
• Credentials - Our team is synergetic with breadth and depth, unique abilities and designations that hallmark professional excellence
Securities Agent: OK, IN, AK, WY, NY, NV, MA, MT, HI, CO, CA, WA, OR, AZ, FL, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2575261
NMLS#: 2575261
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
HELPING YOU PREPARE FOR THE TRANSACTION OF A LIFETIME
For many business owners, the eventual sale of their business is an integral part of their financial planning. Though it may seem obvious that leaving enough time to plan and having an adequate plan in place are two key factors in determining transition success, only 27% of family business owners say they have a robust business succession plan. As with the rest of your finances, it is important to construct a roadmap for your business and ensure that it is aligned with your personal aspirations.
Source: https://www.businesswire.com/news/home/20230321005177/en/New-Survey-Explores-State-of-U.S.-Family-Owned-Businesses
Source: https://www.businesswire.com/news/home/20230321005177/en/New-Survey-Explores-State-of-U.S.-Family-Owned-Businesses
Certified Exit Planning Advisor (CEPA)
Certified Exit Planning Advisors have gained proficiency in key areas in exit planning, including value acceleration methodology, estate planning, private equity, and other areas and are experienced in working directly with entrepreneurs to develop strategies for their business that align with their holistic financial picture.
Ryan holds this designation.
Ryan holds this designation.
Investment Strategy
After the sale of your business, your finances will likely carry a different look. You may have more cash at your disposal to invest and your continued exposure to your business may lead to future payments. Depending on your equity in the business, it may be worth considering ways to mitigate concentration risk. We can discuss diversification, strategic selling, and gifting.
Risk Management
Through this process, it’s important to consider how to protect your wealth. Part of the equation may include tailoring your insurance coverage to better reflect your new circumstances. The ownership structure of your assets, using trusts, and using a strategic insurance program could be beneficial in your overall financial plan.
Estate Planning
Though difficult to think about, planning for what happens when after you’re gone is key to protecting your legacy. After transition, consider creating or updating your estate plan. We can discuss durable financial powers of attorney, a trusted person who can act on your behalf to ensure financial matters are taken care of, a last will to help articulate your wishes, and a trust to help you further describe how you would like your wealth to be handled.
Plan with Confidence
As an ultra-high net worth client, your situation is unique. The distinction of your wealth management needs lies within the complexity of your circumstance combined with your goals. With the tools and resources of Morgan Stanley’s broader firm, we can provide the comprehensive guidance that is necessary for an ultra-high net worth family.
Family Office Wealth Management
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Estate Planning Strategies
We can work with you to explore factors that are relevant to existing or future estate structures. We will discuss different tax and estate planning strategies and collaborate with your external tax and legal advisors.
Wealth Strategies
We help you create long-term strategic asset allocations by working with your established estate
plan, if any, and considering your goals and objectives, risk tolerance, liquidity needs, time horizon, tax
situation, legal requirements, and any preferences or other special circumstances.
plan, if any, and considering your goals and objectives, risk tolerance, liquidity needs, time horizon, tax
situation, legal requirements, and any preferences or other special circumstances.
Portfolio Construction
Our Global Investment Committee uses a rigorous process in order to help you and your Financial Advisor team identify appropriate
managers for each asset class.
managers for each asset class.
Philanthropy Management
Philanthropy Management supports individuals, families, corporate and private foundations, and nonprofit
organizations by offering a suite of services to help define and realize clients’ charitable mission.
organizations by offering a suite of services to help define and realize clients’ charitable mission.
Lifestyle Advisory Offering
We provide bespoke solutions and access to knowledgeable, highly personal specialists to help meet our clients’ exceptional needs, from the everyday to the extraordinary.
Resources
Thoughtful portfolio construction goes beyond the quantitative analysis. Throughout my experience servicing a diverse group of successful families and individuals, I have learned that having a genuine understanding of each other is the key to meaningful work. By communicating with you the unique risks and opportunities that accompany portfolio decisions, we’re able to construct a roadmap together that is personalized to you.
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Morgan Stanley Investment Management
Our goal at Morgan Stanley is to provide outstanding long-term performance to a diverse client base. With a comprehensive suite of solutions and services, we are dedicated to helping our clients achieve their investment goals.
What We Do
Learn More
Contact me directly to learn more about our process and see if we’re a good fit.
Contact Me HereDigital Tools
Our strategy leverages modern wealth tools and cutting-edge technology. By providing you with the tools you need, we can help you come one step closer to achieving your financial goals.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Visit our Security Center
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MoreLocation
1111 Prospect Street
La Jolla, CA 92037
US
Direct:
(858) 729-5013(858) 729-5013
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Ryan Belmer today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
6When 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.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
6When 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.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
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)