Dana Ruusinen
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(650) 838-4233(650) 838-4233
The Lytton Avenue Group at Morgan Stanley
Direct:
(650) 838-4233(650) 838-4233
Our Mission Statement
Dedicated financial service and trusted guidance to empower you with confidence on your financial journey
Welcome
At the Lytton Avenue Team – we believe in sharing a common cause – investing with impact while helping ensure your assets are there when needed.
Our mission is to enable you with modern tools – so that not only are you accumulating wealth, building for retirement, or enjoying the success of your hard labor – but you are also doing good by the planet.
We are proud to be on Morgan Stanley platform, the only major U.S. headquartered global financial services firm on Partnership for Carbon Accounting Financials (PCAF) Steering Committee.
We strive for building trust and life-long relationships with a duty of prudence and a strong sense of loyalty to you.
We look forward to meeting you!
Dana Ruusinen and Margaret Bussmann
Our mission is to enable you with modern tools – so that not only are you accumulating wealth, building for retirement, or enjoying the success of your hard labor – but you are also doing good by the planet.
We are proud to be on Morgan Stanley platform, the only major U.S. headquartered global financial services firm on Partnership for Carbon Accounting Financials (PCAF) Steering Committee.
We strive for building trust and life-long relationships with a duty of prudence and a strong sense of loyalty to you.
We look forward to meeting you!
Dana Ruusinen and Margaret Bussmann
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR VALUED CLIENTS
We take pride in building long-term relationships with our clients as well as maintaining an exceptional level of professionalism. The strategies we recommend are carefully coordinated to help provide you with the knowledge, tools, and resources needed to succeed in the ever-evolving financial landscape. Learn more about how we can help you make informed decisions on any financial issue you face.
Entrepreneurs
With a decade of experience working in the Silicon Valley, our team has the experience and knowledge in providing you custom tailored guidance designed to optimize your financial outcomes.
Business Owners
We provide guidance on the financial aspects of running a successful business on both sides of the balance sheet, including employer stock concentration, tax-efficient divesting, 10b5-1, philanthropic, estate and tax planning strategies.
Corporate Executives
To help you find the tax-smart means of diversification, our team tailors our comprehensive wealth management process to guide you through the complex considerations around your stock wealth.
Next Generation
With our recognition as Top Next-Gen Wealth Advisors, we bring the resources to help you navigate financial challenges and opportunities throughout your life journey.
Sustainable Investing
Taking pride in sustainable investing, we provide tailored advice and strategies to help clients make market-rate returns that will drive positive social and environmental impact.
Change of Life Events
In cases of marriage, birth of a child, change in employment, inheritance, or retirement, it is important to have a plan in place to be prepared for financial implications along with prepared strategies to achieve your goals.
Our Holistic Approach to Investing With Impact
We pride ourselves on taking an intentional investment approach that seeks to generate market-rate returns alongside positive social and environmental impact We have provided s few resources that can help you in making decisions that will drive positive impacts on our environment.
How to Tackle Climate Change in Your Portfolio
As the world increasingly transitions to a low-carbon economy, explore how you can pursue your climate action goals alongside your financial objectives.
Tsckle climate change in your portfolio
Profile Builder
Do your investments align with the causes that matter to you most? Explore Morgan Stanley’s Impact Quotient™ Profile Builder to learn about the many impact themes offered through our Investing with Impact platform.
Build your profile
Investing With Impact Framework
The three I’s of “Impact” represent the range of customizable approaches investors can pursue across asset classes to maximize positive impact. The 3 I’s of impact (Intentionality, Influence, and Inclusion).
Invest with impact
The Morgan Stanley Minute "The Power of Sustainable Investing"
“Sustainable companies tend to think about their growth agenda in a robust way and in a responsible way. And it’s coming out in the numbers.” – Lisa Shalett, Chief Investment Officer of Wealth Management.
Watch now
Audrey Choi - How to Make a Profit While Making a Difference
"We have more opportunity today than ever before to make choices. So, change your perspective. Invest in the change you want to see in the world." – Audrey Choi.
Watch here
10 Ways Investors Can Drive Potential Change
For decades now, investors have seen how powerfully their decisions can drive impactful outcomes for people and the planet. Here are 10 ways to continue making an impact with your investment dollars.
10 ways you can align your capital with your visionWhat We Offer
As a corporate insider with concentrated stock, you may be wondering about tax-smart means of diversification. You may also be facing liquidity needs for real estate purchases or tax payments, sometimes before stock liquidity is available due to lock-ups or tight trading windows.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
Pre-IPO Planning
Learn More About Pre-IPO Planning
Exchange Funds
Tax-deferred diversification via Exchange Funds
Qualified Small Business Stock (QSBS) Exclusions
Learn More About QSBS
Portfolio Lines
Meet your liquidity needs without triggering sales of concentrated stock
10b5-1 Plans
Obtain flexibility to sell through open and closed windows with 10b5-1 Plans
Learn More About 10b5-1
Charitable Giving with Donor Advised Funds
Learn More About Donor Advised FundsUpcoming Events & Relevant Articles
We want to keep you updated with upcoming events and timely articles we find interesting. Continue to check back with this tab as we will be updating it regularly!
What Should I Do With My Money?
Morgan Stanley's podcast, "What Should I Do With My Money" offers listeners unique insight into the world of finance and investing, featuring expert guests who share their insights on the latest market trends, technology and global events.
The podcast can be found now on Spotify, Apple and Google Podcasts.
Listen to the latest episode hereThe podcast can be found now on Spotify, Apple and Google Podcasts.
2024 Presidential Election Insights
Our strategists detail potential policy changes in the new presidency and their implications for markets. In particular, they consider taxes, debts and deficits, trade and tariffs, deregulation beneficiaries, and election-agnostic policy areas.
Read the full report here
10 Policy Actions to Watch Post Inauguration
Monica Guerra, head of U.S. Policy, unpacks 10 Policy Actions to Watch in 2025. Tax provisions, federal budget, and increasing geopolitical tension are just a few of the factors we are keeping an eye on in 2025.
Read the report hereLocation
245 Lytton Avenue
Suite 200
Palo Alto, CA 94301
US
Direct:
(650) 838-4233(650) 838-4233
Meet The Lytton Avenue Group
Margaret Bussmann
Financial Advisor
Phone:
(650) 853-4037(650) 853-4037
About Dana Ruusinen
Dana is a Senior Vice President and Portfolio Manager. Dana was born in the former Soviet Republic of Kazakhstan. Soviet childhood, British schooling, work experience in Bahrain and Vietnam from 2005 to 2010 led Dana to pursue her MBA at IE Business School in Spain and upon completion join Morgan Stanley in Silicon Valley.
Dana is an entrusted advisor to women technology executives and entrepreneurs around impact investing, employer stock concentration, tax-efficient divesting, 10b5-1, philanthropic, estate and tax planning strategies.
Since 2011, Dana has volunteered for VLAB – community of Silicon Valley entrepreneurs and innovators. Since 2014, Dana has mentored hundreds of TechWomen: emerging women leaders from Central Asia, Eastern Europe, Middle East and Africa. Dana was named as by Forbes as a Top Next-Gen Wealth Advisor in 2022.
CA Ins License 4111099
NMLS #1301155
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Dana is an entrusted advisor to women technology executives and entrepreneurs around impact investing, employer stock concentration, tax-efficient divesting, 10b5-1, philanthropic, estate and tax planning strategies.
Since 2011, Dana has volunteered for VLAB – community of Silicon Valley entrepreneurs and innovators. Since 2014, Dana has mentored hundreds of TechWomen: emerging women leaders from Central Asia, Eastern Europe, Middle East and Africa. Dana was named as by Forbes as a Top Next-Gen Wealth Advisor in 2022.
CA Ins License 4111099
NMLS #1301155
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Securities Agent: AK, GA, WA, ID, MI, CO, VA, UT, NV, FL, CA, AZ, NC, HI, TX, NM, NJ, MA, OR, NY, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1301155
NMLS#: 1301155
About Margaret Bussmann
Margaret has over a decade of experience between the banking and wealth management industries. She works closely with clients to develop their financial plans and delivers solutions tailored to their needs. Margaret is an invaluable member of the team and provides exceptional service and care to our clients.
Margaret was born in raised in her hometown of Palo Alto. She earned her B.A. in Environmental Studies, Climate, and Energy Specialization at the University of Colorado, Boulder. Eager to form lasting relationships with impact-minded clientele, she joined the Lytton Avenue Group in 2015 as a Service Associate. In 2021, she embarked on the path to become a financial advisor in our firm’s Associate program.
Margaret is an accomplished equestrian athlete, half-marathon runner, and sourdough bread baker. Her perseverance, focus, and dedication that she acquired from these challenging disciplines has translated into consistently delivering excellence for our clients in our wealth management practice.
Margaret was born in raised in her hometown of Palo Alto. She earned her B.A. in Environmental Studies, Climate, and Energy Specialization at the University of Colorado, Boulder. Eager to form lasting relationships with impact-minded clientele, she joined the Lytton Avenue Group in 2015 as a Service Associate. In 2021, she embarked on the path to become a financial advisor in our firm’s Associate program.
Margaret is an accomplished equestrian athlete, half-marathon runner, and sourdough bread baker. Her perseverance, focus, and dedication that she acquired from these challenging disciplines has translated into consistently delivering excellence for our clients in our wealth management practice.
Securities Agent: OH, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OR, OK, NY, NV, NJ, NH, NE, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, ND, GA, FL, DE, NM, DC, CT, CO, CA, AZ, AR, AL, SC, AK, WA, UT; General Securities Representative; Investment Advisor Representative
Contact Dana Ruusinen
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Ryan Brown
Senior Private Banker
About Ryan Brown
Ryan Brown is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
NMLS#: 465566
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
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
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
Article Image
Ready to start a conversation? Contact The Lytton Avenue Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4Morgan 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.
5Products 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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
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 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.
4Morgan 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.
5Products 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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)
