Ryan M Lenet
My Mission Statement
My Story and Services
1. How do we help our clients get to retirement and generate enough income to keep them ahead of inflation and the rising price of life?
2. How do we enhance our investment process to adjust for current and future economic conditions?
In addressing these important objectives every day, we are committed to serving the financial planning needs of our multigenerational clients, which include successful individuals, families and business professionals, both young and established.
We limit the number of clients in our practice so that we can provide concierge-level service and in an attempt to provide each of our clients has the best possible experience. Our goal is to build long-term relationship with our clients based on mutual respect, integrity and a exceptional level of client service.
NMLS#: 1288038
CA Insurance License #: 4210902
Ryan is a Executive Director and Portfolio Management Director with Morgan Stanley. His career began with American Express Financial Advisors in 1995, and in 1999 he joined Morgan Stanley. Ryan is a founding partner of The Zolet Lenet and Fink Group. As a financial advisor, he focuses on comprehensive financial planning and wealth management for his clients.
Ryan graduated with a Bachelor of Science degree from The University of Maryland at College Park and later earned the Financial Planning Specialist Designation from Morgan Stanley.
Ryan is passionate about helping his clients navigate the challenging course of the capital markets as they work towards their own personal and family goals. He compares his work to that of a captain of a commercial Airline. Taking his clients to their respective destinations such as retirement, in the smoothest possible way, while at the same time providing guidance as turbulence is encountered.
Ryan also enjoys giving back to the community. He currently is on the Board of Trustees at The Baltimore School for the Arts and is on the BSA Finance Committee. In addition, is on the Retirement 401K Committee for The Associated Jewish Charities and is Chair of the Finance Committee at Baltimore Hebrew Congregation. While in college, he worked as an intern in the financial services field and knows the power of college internships for young kids. He has spent his career mentoring college kids and providing internships.
When not in the office, Ryan prefers to spend most of his time with his family. Mountain Biking out west is amongst his favorite activity. In addition, he has a strong love of the arts. Taking his family to New York to see as many Broadway shows as possible and getting to Live Music Concerts is amongst his favorite activities.
Direct Phone: 410-494-8092
Email: ryan.m.lenet@morganstanley.com
Principles and Process
Our Principles and Process make up the framework for all our consulting relationships. At the Zolet Lenet and Fink Group, we believe that every client deserves an exceptional level of service, our undivided efforts and enthusiasm to help them reach their goals, and the individual attention to the important details. Throughout each step of our Process, our clients can expect that we deliver world-class service, seeking to ensure a high level of standards of integrity and professionalism, our best efforts leveraging firm resources on their behalf, and the ability to make difficult but appropriate decisions.
We embrace ever-evolving advances in technology and communication, and strive to make every client interaction personal. In this respect, we use the expanding avenues of communication to personally connect with our clients, thereby enhancing our relationships. We want our clients to feel welcome to call, email, or visit us at the office even if just to say 'hello.'
The first step in our consulting process is for us to gain a perspective of our clients' financial objectives, goals, needs, and attitudes towards risk. However, we fundamentally believe in the importance of 'seeing the forest through the trees,' whether making investment decisions or by transcending our clients' basic financial profiles in order to know who they are as people.
Utilizing this comprehensive understanding of our clients, we craft an appropriate asset allocation strategy that implements and complements our command of the clients' needs and goals. We are then able to seek out and recommend the investment strategies best suited for our clients.
We also help construct and institute an investment policy statement for our investment advisory clients to be used as a guide and compass through the evolution of our relationship. During the client review process, this allows us to help ensure that we stay on our chartered course and avoid the distractions that may get in the way of a comprehensive investment plan.
We closely monitor and continually reevaluate the management and performance of our clients' investments. Additionally, we regularly rebalance our clients' portfolios based upon their risk profiles and our market outlook.
Disclosures
Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Insights and Updates
Please enjoy this introductory video where our partners describe the ways in which we work to help our clients achieve their goals.
My Credentials
My professional investment credentials demonstrate a deep level of knowledge and the ability to coordinate efforts among other professionals, such as my clients' attorneys and CPAs. Here are some of the credentials that I have earned over the years and draw upon:
Forbes Best-In-State Wealth Advisors list spotlights more than 4,000 top advisors across the country who were nominated by their firms—and then researched, interviewed and assigned a ranking within their respective states and markets.
2020-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Awards disclaimers: https://www.morganstanley.com/disclosures/awards-disclosure
Forbes Best-In-State Wealth Management Teams highlights more than 2,800 teams across the country who were nominated by their firms—and then researched, interviewed and assigned a ranking within their respective states.
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Source: Forbes.com (Awarded 2023, 2024, 2025)
Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Awards disclaimers: https://www.morganstanley.com/disclosures/awards-disclosure
Only a select group of financial advisors at Morgan Stanley can offer portfolio management services directly to their clients.
This Morgan Stanley designation is bestowed upon advisors with the advanced training necessary to address the wide range of financial issues confronting high net worth individuals.
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Portfolio Insights
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
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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.
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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.
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Awards Disclosures
