About Me

Our approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your performance and life goals, this is our priority. Our relationship begins with a thorough understanding of you – your needs, your lifestyle and family, and your goals for the future. We work with you to develop a roadmap to help you achieve the outcomes you envision. We help you implement investment, retirement, trust services, and insurance solutions suited to your needs. Achieving your goals requires vigilance and flexibility. We’ll monitor your performance and make adjustments as life evolves, markets and tax laws shift, and priorities change.

Your wealth strategy doesn’t just consider your investment objectives. Rather, it is tailored to address the personal life goals you’ve identified and prioritized.
Services Include
Securities Agent: AL, NY, NE, NV, OK, NJ, IL, MA, OH, AR, AK, RI, TN, TX, PR, VA, WV, WI, CO, DE, WA, GA, FL, CT, IN, KY, LA, PA, MN, MO, ND, MD, CA, UT, SD, SC, NM, NC, MT, MS, MI, IA, DC, AZ, VI, KS, WY, HI, ID, ME, NH, OR, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 638872
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Process

Our client-centered approach helps the families, individuals and organizations we serve to invest in a way that aligns their values with their investments. By drawing from the firm's wide array of capabilities, Morgan Stanley has been able to leverage its market position as a leading Wealth Management firm to empower our clients to invest with impact.

We believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. Our process enables us to work with you to craft a solution that helps to meet your individual financial needs.
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    Highly Personalized Care
    We understand the benefits of being consistently selective and paying close attention to the details of your financial portfolio. A number of the great things in life require careful planning and diligent work. We strive to discover the best possible solutions for our clients. Long standing relationships are the cornerstone of our practice.
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    Loyalty & Dedication
    We take genuine interest in the well-being of our clients. We go beyond simply being a service provider to being a holistic advisor. We pride ourselves on building loyalty and trust with our clients by helping them navigate the ever-changing financial markets so they can worry less about the stresses of finance and enjoy the important moments in their lives.
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    Intellectual Capital
    Our team has decades of providing comprehensive financial services. We can work with you to create a personalized wealth strategy, using the plethora of state-of-the-art Modern Wealth Management tools that Morgan Stanley has to offer. Our approach to Wealth Management is formal, yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve and preserve your financial goals.
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    Direct & Consistent Approach
    We build a comprehensive, tailored strategy around the financial needs, risk tolerance, and goals of our clients by providing consistent attention to detail in the financial circumstances of our clients. We take time to thoroughly comprehend your unique financial situation, and tailor your particular investment strategy to meet your short and long term goals. We understand that it can be difficult to form the ideal financial plan, and we are here to support you every step of the way!

National Coverage

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We know that many of you are often on the move, and our practice deeply values the geographic diversity of our clients. Our Roanoke, Virginia, office is currently working with clients in 38 states, the District of Columbia, and Puerto Rico. So whether you live in the Rust Belt, the Sun Belt, or somewhere in between, we have you covered!

Modern Wealth Management Tools and Resources

Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
    Morgan Stanley Online
    Morgan Stanley Online
    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
    Register for Morgan Stanley Online Today
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    Total Wealth View
    Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
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    Goals-Based Planning
    Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
    Portfolio Risk Platform (icon) - DO NOT EDIT CONTENT - MUST USE AS IS
    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
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    MS Reserved
    Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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    Online Security Center
    Safeguarding your assets and personal information is among our highest priorities here at the Hubbard Team. Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.

Valuable Tools and Resources

We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
    529 Education Savings Plans - (icon) - DO NOT EDIT CONTENT - MUST USE AS IS
    529 Education Savings Plans
    529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
    529 Plan Options at Morgan Stanley
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    2024 Maximum Benefit and Contribution Limits
    The IRS has updated its maximum benefits and contribution limits for 2024. These limits may help you save for a better retirement. Review the 2024 maximum benefit and contribution limits through the link below.
    Click Here to Review The 2024 Maximum Benefit and Contribution Limits
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    Thoughts on the Market Podcast
    With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
    Check out the latest episode
    eDelivery
    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.
    Enroll Today

Client Service Team

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    Ryland Hubbard, CFP®, CERTIFIED FINANCIAL PLANNER ™ (CFP®) - Senior Vice President, Financial Advisor
    Phone:
    (540) 772-0533(540) 772-0533
    Email:Ryland.Hubbard@MorganStanley.com
    Ryland "Ry" Hubbard is a CERTIFIED FINANCIAL PLANNER ™ (CFP®) who joined Morgan Stanley as Senior Vice President and Financial Advisor in August 2017. In September 2019, he went onto become a Morgan Stanley Branch Manager for the Roanoke, Virginia, office. Ry joined the financial industry in 1984, shortly after earning his BA in Economics from the University of Tennessee. He worked at Merrill Lynch's Roanoke, Virginia, office as a Financial Advisor, previously working as the branch manager, prior to joining Morgan Stanley.

    Born in Atlanta, Georgia, Ry moved to Roanoke, Virginia, at a young age, and still resides there today with his wife of 33 years, Kelly. They have two adult children, Dr. Zach Hubbard and Jake Hubbard, along with two golden retrievers, Charlie and Otter. Ryland is an active member of his local community, where he has served in a number of leadership positions, including the former President of The West End Center for Youth and the Executive Board of the Virginia Foundation for Research and Economic Education. In his free time, he enjoys relaxing under the warm sun at the beach!
    Securities Agent: AL, NY, NE, NV, OK, NJ, IL, MA, OH, AR, AK, RI, TN, TX, PR, VA, WV, WI, CO, DE, WA, GA, FL, CT, IN, KY, LA, PA, MN, MO, ND, MD, CA, UT, SD, SC, NM, NC, MT, MS, MI, IA, DC, AZ, VI, KS, WY, HI, ID, ME, NH, OR, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
    NMLS#: 638872
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    Cindy Conner - Assistant Vice President, Wealth Management Associate
    Phone:
    (540) 725-3163(540) 725-3163
    Email:cindy.conner@morganstanley.com
    Cindy Conner is a Financial Advisor who began her career in the financial services industry in 1999 as a client associate, and has gained valuable experience over the years that enables her to fulfill most of our clients' account-related needs.

    Born and raised in Virginia, Cindy studied at Patrick Henry College in Martinsville, Virginia, where she earned a paralegal degree.  She then went on to graduate from Liberty University with a Bachelor of Science degree in Interdisciplinary Studies. Cindy worked in the legal field for over a decade prior to making the decision to join the financial services industry.  She has since obtained her Series 7, 66, 31, and Life and Health insurance licenses.

    Cindy and her husband, Colby, reside in the Penn Forest area of Roanoke County with their three dogs and enjoy playing chess in their down time.  They also call Rockbridge County, Virginia, home as they own a farm house and surrounding acreage and hope to retire there one day.  
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    Marlene Sowder - Team Administrator
    Phone:
    (540) 772-0513(540) 772-0513
    Email:Marlene.Sowder@morganstanley.com

Location

10 So Jefferson St
Suite 1700
Roanoke, VA 24011
US
Direct:
(540) 772-0533(540) 772-0533
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Promoting Healthy Longevity
man and women in kitchen eating

Promoting Healthy Longevity

As the global population gets older and lives longer, food plays an important role in healthy longevity?offering opportunities for companies that support wellbeing.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Ryland Hubbard today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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3Alternative 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.

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4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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6Morgan 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

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7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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8Morgan 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.

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9Morgan 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.

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10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.

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11Morgan 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.

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12When 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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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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)