Ronald Masino
Senior Vice President, Wealth Advisor, Senior Portfolio Manager
Phone:
(818) 713-4782(818) 713-4782
The AM and B Group at Morgan Stanley
Direct:
(818) 713-4759(818) 713-4759
Toll-Free:
(800) 755-2550(800) 755-2550
Our Mission Statement
An advisor relationship should not complicate your life,
it should enrich it.
it should enrich it.
The AM and B Group believes that their team’s diversity
of thought and experience brings a deeper, richer perspective to every conversation they have. It also means there is very little, in the way of financial issues, that The AM and B Group hasn't seen or dealt with before.
Ron Masino and Mark Avner take the time to get to know you beyond your financial concerns. Working together with your other trusted advisors, they build appropriate strategies and solutions to help you achieve your life goals . The AM and B Group's approach allows them to establish deep and lasting relationships, to delivery hands-on, personalized services and seek to generate outcomes that are uniquely tailored to you.
The AM and B Group is committed to building relationships of mutual trust and respect that enriches the lives of our clients and their community and looks forward to working with you.
Ron Masino and Mark Avner take the time to get to know you beyond your financial concerns. Working together with your other trusted advisors, they build appropriate strategies and solutions to help you achieve your life goals . The AM and B Group's approach allows them to establish deep and lasting relationships, to delivery hands-on, personalized services and seek to generate outcomes that are uniquely tailored to you.
The AM and B Group is committed to building relationships of mutual trust and respect that enriches the lives of our clients and their community and looks forward to working with you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Life View
The AM Group's approach to wealth planning focuses on what is most meaningful to you. Whether meeting with you for the first time or reviewing your progress, planning for retirement or life’s goals, this is our priority.
Leveraging our vast resources—we can work with you to create a personalized wealth strategy. Our approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
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. Using our LifeView® platform, we can create your personal road map to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us:
• Analyze your current investments, and financial situation
• Review and prioritize your goals with you, such as Retirement
• Education funding
• Major purchases and philanthropic goals
• Protect your goals
• Develop wealth transfer strategies
Click the links below to access the sample LifeView® Goal Analysis and Client Profile:
Leveraging our vast resources—we can work with you to create a personalized wealth strategy. Our approach to Wealth Management is formal yet flexible. Over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
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. Using our LifeView® platform, we can create your personal road map to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us:
• Analyze your current investments, and financial situation
• Review and prioritize your goals with you, such as Retirement
• Education funding
• Major purchases and philanthropic goals
• Protect your goals
• Develop wealth transfer strategies
Click the links below to access the sample LifeView® Goal Analysis and Client Profile:
Location
21650 Oxnard St
Ste 1800
Woodland Hills, CA 91367
US
Direct:
(818) 713-4759(818) 713-4759
Toll-Free:
(800) 755-2550(800) 755-2550
Meet The AM and B Group
Mark Avner, CWS®
Senior Vice President, Wealth Advisor, Senior Portfolio Manager
Phone:
(818) 713-4751(818) 713-4751
Patty Zepeda
Portfolio Associate
Phone:
(818) 713-4759(818) 713-4759
About Ronald Masino
Ronald Fred Masino also known as Ron, is a Senior Vice President, Wealth Advisor and Certified Wealth Strategist ® (CWS ®) at Morgan Stanley. He has been with Morgan Stanley for over 30 years and has been in various leadership positions in branch management during his time at the firm.
Ron works diligently to provide affluent individuals, families and small businesses with customized solutions to help address their unique financial goals. He focuses on every aspect of your financial plan from wealth management to long-term care, from tax planning strategies to creating a legacy for future generations. He takes a holistic approach to meet his client’s financial needs.
Ron grew up in Southern California and attended William S Hart High School. He received a baseball scholarship to Brigham Young University and graduated from BYU with a Bachelor’s in Economics. He currently lives in Stevenson Ranch with his Wife Hilary and four children Camille, Charlie, Clara and Colette. During his down time he loves spending time with his family and is involved with his community. He is a freshman football coach at Hart High School and is also actively involved with his local church.
Professional Details
Education
Brigham Young University
Association
Certified Wealth Strategist® (CWS®)
Experience
1993 - Present: Morgan Stanley
Ron works diligently to provide affluent individuals, families and small businesses with customized solutions to help address their unique financial goals. He focuses on every aspect of your financial plan from wealth management to long-term care, from tax planning strategies to creating a legacy for future generations. He takes a holistic approach to meet his client’s financial needs.
Ron grew up in Southern California and attended William S Hart High School. He received a baseball scholarship to Brigham Young University and graduated from BYU with a Bachelor’s in Economics. He currently lives in Stevenson Ranch with his Wife Hilary and four children Camille, Charlie, Clara and Colette. During his down time he loves spending time with his family and is involved with his community. He is a freshman football coach at Hart High School and is also actively involved with his local church.
Professional Details
Education
Brigham Young University
Association
Certified Wealth Strategist® (CWS®)
Experience
1993 - Present: Morgan Stanley
Securities Agent: WI, AL, WA, MI, IL, IA, IN, CT, AK, GA, CA, VA, TX, TN, NY, DC, AZ, OK, NC, MT, MO, HI, FL, WV, UT, SC, OH, MS, MN, PA, NJ, MA, LA, OR, NV, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285163
NMLS#: 1285163
About Mark Avner
Mark Avner is a Senior Vice President, Wealth Advisor and Senior Portfolio Manager at Morgan Stanley Wealth Management. For more than 31 years, Mark has been providing highly customized advice, investment solutions and financial planning services to individuals, multi-generational families and business owners in California and across the country. Throughout his career, he has earned the reputation of truly understanding his clients – their lives, their plans, their interests – so they may achieve their financial goals and leave the legacy they desire. A graduate of the University of Southern California, Mark received the Certified Wealth Strategist® (CWS®) designation from Cannon Financial in 2006. He is a member of Morgan Stanley’s Fixed Income Power Users since 2002, which consists of only five percent of the firm’s top financial advisors. Mark currently lives in Woodland Hills with wife Stacey. He is an avid Hiker and musician.
Professional Details
Education
University of Southern California
Cannon Financial Institute
Association
Certified Wealth Strategist® (CWS®)
Morgan Stanley’s Fixed Income Power Users since 2002, which consists of only five percent of the firm’s top financial advisors.
Experience
1992 - Present: Morgan Stanley
Professional Details
Education
University of Southern California
Cannon Financial Institute
Association
Certified Wealth Strategist® (CWS®)
Morgan Stanley’s Fixed Income Power Users since 2002, which consists of only five percent of the firm’s top financial advisors.
Experience
1992 - Present: Morgan Stanley
Securities Agent: OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, OK, OH, MN, NY, NV, NM, NJ, NH, NC, MT, MS, MO, MI, MA, LA, IN, IL, ID, IA, HI, GA, FL, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1272901
CA Insurance License #: 0B09936
NMLS#: 1272901
CA Insurance License #: 0B09936
About Patty Zepeda
Patty is a Portfolio Associate for The AM Group at Morgan Stanley in Woodland Hills. She provides both administrative and client support to Financial Advisers and also ensures their clients receive the best customer service and are highly satisfied with their experience.
She started her career with Morgan Stanley in the Downtown Los Angeles office in 2000. Patty then transferred to the Encino branch in 2003 and in 2007 made her way to the Woodland Hills Branch. She truly enjoys helping clients and is available for any questions they may have.
Outside of the office she enjoys hiking, bike riding and camping. On a cozy day at home, she loves a good crossword puzzle.
She started her career with Morgan Stanley in the Downtown Los Angeles office in 2000. Patty then transferred to the Encino branch in 2003 and in 2007 made her way to the Woodland Hills Branch. She truly enjoys helping clients and is available for any questions they may have.
Outside of the office she enjoys hiking, bike riding and camping. On a cozy day at home, she loves a good crossword puzzle.
Contact Ronald Masino
Contact Mark Avner
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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
Ready to start a conversation? Contact The AM and B Group today.
1An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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.
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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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.
8When 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
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.
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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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.
8When 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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)
