The Modern Perspective Group at Morgan Stanley

Ryan Kibiloski is a Senior Vice President, Financial Advisor, and Certified Financial Planner^® with The Modern Perspective Group at Morgan Stanley. For over 20 years, Ryan has helped clients and their families solve their financial challenges and reach their long-term goals with care, commitment, and integrity.

A University of Toledo graduate with a Bachelor of Business Administration degree in Accounting and Finance, Ryan first entered the industry in 1999 as an Associate Financial Advisor with Merrill Lynch in Toledo. In 2005, he became a financial advisor with Bank of America/Merrill Lynch in Chicago, and then transitioned to Fifth Third Securities where he served as Vice President for nearly 13 years.

Throughout his career, Ryan has always sought to enhance the resources he offers his clients: that’s why he worked to earn his Certified Financial Planner^® designation, and it’s why he came on board with Morgan Stanley, co-founding The Modern Perspective Group in Oak Brook, IL.

With the team, Ryan places a special emphasis on alternative investments, in addition to financial planning. Leveraging the team’s relationship with Morgan Stanley, he offers clients access to the Firm’s premier Alts platform––so they can not only help protect assets through enhanced diversification, but also help generate steady income in times of market volatility. Most importantly, Ryan believes that the portfolios he crafts for his clients must be founded on their individual goals, timelines, and risk appetites. In other words, they must fit within a larger financial plan. That’s why he focuses on Alts, because they help create even more possibilities for customization around your life and goals.

Outside the office, Ryan lives in Downers Grove with his wife Nicole. Proud parents and reluctant empty nesters, they enjoy visiting their daughter Mia and son Michael, who both attend university in Los Angeles, as often as they can. Committed to giving back to his community, Ryan is the co-founder and treasurer of the Sen-Hwa Foundation––a non-profit organization that provides under-privileged youth with the financial support needed to pursue higher education.

Cameron Donnelly is a Senior Vice President, Financial Advisor, Portfolio Manager, and Certified Financial Planner^® with The Modern Perspective Group at Morgan Stanley. For clients in the greater Chicago area and beyond, Cameron brings thoughtful guidance, a high level of service, and over a decade of industry experience to their financial lives.

A graduate of Purdue University with a Bachelor of Science Degree in Economics, Cameron began his career in wealth management in 2012 with Morgan Stanley. In 2016, he went on to help launch an ETF as a Consultant with Deutsche Asset Management. Passionate about working directly with clients, Cameron returned to Morgan Stanley in 2018 as a Financial Advisor, co-founding The Modern Perspective Group in Oak Brook, IL.

Earning his Certified Financial Planner designation, he equipped himself with the skillset and stringent ethical standards that have come to define The Modern Perspective Group’s approach to wealth management.

Within the team, Cameron primarily focuses on fostering and enhancing client relationships. The foundation of every relationship is trust––something Cameron does not take for granted, and works to earn day after day. He strives to go above and beyond to help meet his clients’ needs and address their challenges proactively. Whether it’s making time to answer a complex question, offering guidance on a large purchase, helping the next generation develop sound financial principles, or just serving as a sounding board–– Cameron is committed to being an ever-present financial resource for the team’s clients and their loved ones.

After many years enjoying the Windy City, Cameron now lives in the Western Suburbs with his wife Cristina and their four children, Charlie, Conor, Camille, and Callan. In his free time, he enjoys getting outdoors with his family, rooting on the Boilermakers, spending a day fishing, and trying not to lose too many balls on the golf course.

Cameron Donnelly, Morgan Stanley Pacesetter's Club Member since 2021.

Patricia Reyes is a Senior Vice President, Financial Advisor, and Senior Portfolio Manager with The Modern Perspective Group at Morgan Stanley. She brings over 20+ years of industry experience to her clients’ financial lives, helping them – and their families – overcome the obstacles standing between them and their long-term goals.

A graduate of Northern Illinois University with a bachelor’s degree in Finance, Patricia began her career as a Financial Advisor with Merrill Lynch in 2000. In 2002, she joined Fifth Third Securities as an Investment Executive. During her tenure at the firm, she met team member Josh Dunn in 2013. Then in 2021, she brought the team over to Morgan Stanley, a firm that would allow her to equip clients with the world-class technology, investment platforms, and industry research needed to help her clients continue to thrive for decades to come.

With the team, Patricia places a special emphasis on creating and maintaining an exceptional client experience defined by communication, transparency, and commitment. She believes that financial confidence is about more than just performance numbers. Just as important is knowing that you have a consistent guide to turn to in those times you need it most. Each and every day, she strives to go above and beyond for her clients – whether that means coordinating with your professional network, helping you pass on your financial value system to the next generation, or organizing all aspects of your legacy into a coherent whole.

In addition to her professional accomplishments, Patricia is the founder of the HER Way initiative in the Chicagoland market, a program designed to empower women through financial education and community connection. Originally started by a remarkable group of female advisors in the Morgan Stanley New York office, HER Way focuses on key areas impacting women's lives, including health and wellness, personal finances, professional development, entrepreneurialism, and philanthropy. By providing valuable resources and organizing events, HER Way aims to foster a supportive community where women can share knowledge and experiences to enhance their financial confidence and overall well-being.

Outside of the office, Patricia lives in Chicago with her husband Jim and their daughter Abby. A world traveler, she counts Tokyo, Maui, and Barcelona as some of her top destinations. But the best trip she’s ever taken was a few years ago with Jim and Abby – exploring Italy by train as a family with stops in Venice, Rome, Florence, and Amalfi Coast. For all her travels abroad, however, Patricia also enjoys staying active in her local community: whether that’s taking a Saturday bike ride around Chicago with the family, or going on weekday morning runs around the neighborhood. She is also committed to giving back, and volunteers with Inspiration Corp, a non-profit that supports Chicagoans affected by poverty and homelessness. An avid cook, she has lately been whipping up various Filipino dishes to help her daughter experience a part of her culture.

Jeffrey Babik is a First Vice President, Wealth Management, Financial Advisor, and Senior Portfolio Manager with The Modern Perspective Group at Morgan Stanley. For over 25 years, he has been helping individuals and families protect and grow their wealth with customized investment strategies and research-backed portfolios.

A graduate of St. Joseph’s College with a bachelor’s degree in Economics, Jeff began his career as a financial advisor and portfolio manager in 1995 with UBS Wealth Management, where he worked for nearly a decade. Then, looking to broaden the resources he could offer his clients, he came on board with Morgan Stanley in 2004 and has remained with the firm ever since.

With the team, Jeff’s primary focus is providing customized portfolio management for clients at all stages of their financial journey. Having working many years in the industry – through bull markets, bear markets, and everything in between – Jeff knows firsthand what a sustainable, long-term strategy looks like. Complementing Morgan Stanley’s extensive market research, he utilizes an investment approach called the “Relative Strength Methodology,” a screening process that aims to help identify long-term market trends, mitigate risk exposure, cut through human emotion, and determine the optimal investment strategy for your unique circumstance.

Throughout his career, Jeff has approached each day with the same straightforward belief: There’s no such thing as “easy money.” It’s a lesson he first learned at 15 years old, when he worked an after-school job as a janitor. To this day he prides himself on the diligent work ethic that he applies to all aspects of his wealth management practice.

Outside the office, Jeff lives in LaGrange, IL with his wife Catherine. In his free time, he enjoys going out West for downhill ski trips with Catherine and their son Matthew. He’s also an avid cyclist, and it’s during long rides that he counts himself lucky for living in the Midwest, and not out West in the mountains.




Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.

Steve Howard is a Senior Vice President and Financial Advisor, with The Modern Perspective Group at Morgan Stanley and brings over 25 years of industry experience to his clients’ financial lives.

Born and raised in Cleveland, Ohio, Steve's passion for numbers and finance led him to pursue a Bachelor's degree in Accounting from Ohio State University. Eager to enhance his expertise, he obtained a Certified Public Accountant (CPA) certification, equipping him with a comprehensive understanding of financial principles and regulations. In 1998, Steve joined Merrill Lynch as a financial advisor, marking the beginning of the next chapter of his professional life. Throughout his career, he has demonstrated an unwavering commitment to his clients' financial well-being, offering tailored strategies and personalized guidance. Steve's in-depth knowledge of investment strategies, retirement planning, and wealth management has allowed him to navigate the complexities of the financial world with precision and insight.

Steve has consistently adapted his approach to meet the evolving needs of his clients. He takes a holistic view of their financial goals and risk tolerance to deliver customized solutions that align with their unique circumstances. He has built lasting relationships based on trust, integrity, and a genuine desire to see his clients succeed. He remains committed to providing strategic financial guidance and helping individuals and businesses achieve their long-term financial objectives. With a track record spanning a quarter-century, Steve continues to make a significant impact to his clients and their families.

Alongside his career, Steve also prioritizes his role as a husband and father to three children. He has helped coach multiple sports for his children, investing his time and energy into their growth and development. Steve maintains an active lifestyle, indulging in hobbies such as golf, tennis, bowling and biking. His passion for staying active not only contributes to his personal well-being but also brings a sense of balance and fulfillment to his life.

Ron Schwartz is a Senior Vice President, Financial Advisor, and Senior Portfolio Manager with The Modern Perspective Group at Morgan Stanley. Ron brings three decades of experience to his clients’ lives, helping them achieve their long-term goals across various phases of life and even across generations.

A graduate of the University of Alabama (B.S.) and DePaul University (M.B.A.), Ron first entered the industry in 1992 as a financial advisor with Smith Barney (a predecessor of Morgan Stanley). After three years at the Firm, he spent the next ten at JP Morgan Private Client Service, where he enhanced his financial planning and wealth management approach with a focus on 401k plans. During that time, he earned the rigorous Certified Financial Planner^® designation to become a truly comprehensive resource for all his clients’ wealth management needs. With that same motivation, he came on board with Morgan Stanley in 2005, seeking to offer his clients a world-class suite of resources.

With The Modern Perspective Group, Ron draws from deep firsthand experience and elite credentials to provide clients with a wide range of support. He helps clients with everything from financial planning for individuals and businesses, to 401(k)s, SEP plans, charitable giving strategies, insurance needs, and portfolio management –– including alternative investments to help overcome market volatility.

Even more than what he can offer, Ron prides himself on how he goes about working with every client; he takes the time to fully understand a clients’ needs and goals, and he keeps those needs and goals at the forefront of their strategy. Whether for a minor financial complication, a major life transition like retirement, or an emergency like the passing of a loved one––Ron extends himself as a resource to help guide his clients every step of the way.

A native of England, Ron now resides in Deerfield, Illinois with his wife and their four children. Outside of work, he enjoys spending time with family and staying active with triathlons, cycling, running, and golf. He volunteers as a coach for an American Youth Soccer Organization team and sits on the board of the local AYSO chapter. Previously, he served on the Finance Committee of Jewish Child and Family Services, and as Board President of Israel Bonds Young Leadership.

Doug is a CERTIFIED FINANCIAL PLANNER™ professional and more recently joined The Modern Perspective Group at Morgan Stanley.   For more than 20 years, Doug has been providing highly customized advice, investment solutions and financial planning services to financially successful individuals, accomplished professionals, retirees and business owners.  Doug delivers objective advice through exceptional “high touch” client service to the individuals and families he proudly serves. He focuses on developing financial strategies for his clients that are well suited to meeting their specific wealth management needs, whether they are planning for retirement or college education, buying a new home, managing debt or insuring their family legacy. His clients appreciate his approachable style for helping them make well-informed decisions and maintaining the discipline necessary to navigate the most challenging of markets. He takes pride in helping them oversee and manage their finances, so they can take care of the people they love, spend more time pursuing the activities they enjoy and support the causes that are most important to them.

Doug earned his B.S. degree in Engineering and M.B.A. degree with a concentration in Finance and Accounting from Cornell University.  As an NROTC program graduate, he served in the U.S. Navy on active duty for four years as the navigator on a destroyer.  Doug’s military experience had a profound impact on his life, teaching him many life lessons as a young man. He developed strong values of duty, honor and integrity.

After graduate school, Doug began a 20-year long successful civilian career. He worked for a number of companies, large and small, public and private, across a broad range of industries. He held a number of key leadership roles in finance, operations and sales management, and traveled extensively all over the globe. During that time, Doug began building and managing his own investment portfolio, an avocation he thoroughly enjoyed and one, as it turned out, he was quite successful at doing. In 2002, Doug joined Morgan Stanley and began sharing his knowledge and experience with his own clients as they plan for their financial futures.

Originally from the San Francisco Bay area, Doug now lives in Frankfort, IL.  Upon leaving active duty in 1978, he maintained his affiliation with the Navy as an active member of the Naval Reserve for over 20 years, retiring as a Navy Captain in 1999. Today, Doug is involved with his alma mater as a member of the Cornell Club of Chicago and the Johnson School (Business) Club of Chicago. Doug serves as president of the Board of Directors of his homeowner's association. In addition, he is a member of the Association of Professional Investment Consultants at Morgan Stanley. In his leisure time, he enjoys playing golf, collecting and tasting wine, and traveling.

Cindy is a CERTIFIED FINANCIAL PLANNER™ professional and recently joined The Modern Perspective Group at Morgan Stanley.   She provides customized advice and investment solutions to financially successful professionals, retirees and business owners in the Chicago area and across the country. A seasoned professional with more than 25 years of industry experience, Cindy is dedicated to helping her clients achieve their financial goals, so they may attain the financial freedom to pursue their passions and enjoy the wealth they’ve created.

A graduate of Illinois State University, Cindy served as a Vice President at First National Bank of Chicago and Citibank Private Bank, where she spent more than 17 years meeting the private banking needs of national and global law firms and their senior partners. In 2000, she joined Stein Roe Investment Counsel as Vice President of Business Development, where she managed investment portfolios for attorneys and CPAs and their clients. She became a member of the Morgan Stanley family in 2003. Cindy earned her CERTIFIED FINANCIAL PLANNER™ designation from The College for Financial Planning in 1992.

This collective experience has given Cindy a diverse set of skills in private banking, investment management and financial planning. She joined Morgan Stanley family to share her financial planning and investment experience with individuals and families and to build more personal relationships with her clients. She has been a member of the firm’s Association of Professional Investment Consultants since 2013.

As a Financial Advisor at Morgan Stanley, Cindy takes pride in her ability to put advanced concepts into action and effectively communicate these concepts to her clients. Her ultimate mission is to guide her clients on the growth and preservation of their assets, while providing for current income and cash flow needs. Her comprehensive approach is focused on articulating each client’s needs, wants and wishes. This information then serves as the foundation for the development and implementation of a custom financial strategy that can be easily adapted to respond to life changes and market activity.

Originally from St. Louis, Cindy and her husband, Michael, currently reside in Frankfort, IL. They have three daughters, Carly, Katelyn and Grace, and four grandchildren. Cindy is a member of the Financial Women’s Association and the Illinois CPA Society and is an affiliated member of the Chicago Bar Association. Cindy is also currently on the Board of the “Something for Kelly Foundation,” a non-for-profit organization focused on ending eating disorders with children ages 6-12. When Cindy is not working directly with her clients, she enjoys outdoor sports, such as running, biking and golfing, as well as vacationing with family and friends.

Joshua Dunn is a Vice President, Financial Advisor, and Senior Portfolio Manager with The Modern Perspective Group at Morgan Stanley. With over a dozen years of experience in the financial services industry, he helps clients realize their vision for the future through goals-driven strategies and comprehensive financial planning.

A 2009 graduate of the University of Mount Union, Joshua first entered the financial services industry as a Personal Banker with PNC Bank that same year. He joined Fifth Third Bank in 2012 as a Licensed Personal Banker and subsequently took on the role of Preferred Program Specialist. In 2015, he fully transitioned into wealth management and became a Vice President and Investment Executive for Fifth Third Securities before coming on board with Morgan Stanley in his current role in 2021.

With the team, Josh focuses on developing customized and comprehensive financial plans for every client. Over the years, he’s helped a wide range of clients reach an even wider range of objectives – from risk management, long-term care planning, and education planning, to life insurance and long-term care planning, cash management, and lending.

Each client has a unique story to tell. That’s why Josh begins his process by listening; by gaining a deep understanding of clients’ needs, goals, and timelines, he’s able to help them step confidently into every chapter of their financial lives. He views his client relationships as a lifelong commitment that must be built on trust, mutual understanding, and ongoing support. He manages every client’s financial plan with the same diligence and dedication that he would any member of his own family.

Born and raised in Youngstown, Ohio, Josh moved to Chicago in 2010 and spent over a decade living downtown before recently moving to La Grange Park with his wife Bianca. Josh and Bianca recently welcomed their first child, Violet Emery. They travel as often as they can: whether it’s finding a beach for some time in the sun or exploring cities around the country for a concert or sporting event. Of course, there’s plenty of both right here in Chicago, and especially after the last couple years, they make it a point to support local venues and musicians to help keep the arts community thriving. In his free time, Josh also enjoys cycling, playing basketball, working on his tennis serve, and hitting the links for a round of golf. He and Bianca have two dogs – a boxer named Carter and a yorkie named Harry, both of whom have had absolutely zero qualms about the move to the suburbs.

Luis Guzman is a Financial Advisor with The Modern Perspective Group at Morgan Stanley. With the CERTIFIED FINANCIAL PLANNER™ designation, Luis helps clients and their families reach their comprehensive financial goals leading up to and throughout retirement.

A graduate of University of Illinois Chicago with a bachelor’s degree in Finance and International Business, Luis went on to earn a Master of Business Administration degree from Aurora University. During his graduate studies, he simultaneously embarked on his financial career as a relationship manager for Fifth Third Bank’s wealth management division. A constant throughout Luis’s career has been his commitment to learning––to equipping his clients with the rigorous knowledge set they need to keep pace with the ever-changing demands of modern wealth management. That’s why he worked to earn the CERTIFIED FINANCIAL PLANNER™ designation.

With The Modern Perspective Group, Luis focuses on financial planning and problem-solving for a wide range of clients––from healthcare and manufacturing executives, small business owners, to families of all sizes and dynamics. With every client, he places a special emphasis on building long-term relationships based on unwavering trust, proactive communication, and elite service. By listening closely to his clients’ needs, goals, and concerns, he crafts personalized financial plans to help them work toward the future they envision, one step at a time. That in a nutshell is Luis’s two-part goal: to help guide his clients to their long-term objectives, while also making the journey as manageable and stress-free as possible.

Outside the office, Luis lives in the Chicago area with his wife Vanessa and their son Matteo. Passionate about strength training and high intensity cardio, he keeps a strict five AM workout schedule throughout the week. In his free time, he enjoys spending time with his family, whether it’s enjoying homecooked meal, or walking their pup around the neighborhood. For Luis, nothing puts a bigger smile on his face than seeing his son’s love of music in action, which makes most evenings end up as a family dance party.

Kathy Thompson is a Financial Planning Specialist and Portfolio Associate with The Modern Perspective Group. She has been with Morgan Stanley since 2005, focusing on providing excellent service with every client interaction.

Kathy earned a Bachelor of Science Degree in Business Management from National Louis University. She resides in the Chicago area and in her free time, is an active member of Elmhurst Presbyterian Church, a frequent volunteer with the Experimental Aircraft Association and a lifelong Cubs fan.

* Disclaimer: This role cannot solicit or provide investment advice

Belinda provides high level administrative expertise and exceptional service to clients. She works with the team to deliver and manage our wealth management process, creates tailored investment proposals and wealth management reports for our clients. Belinda has dedicated over twenty years to providing outstanding service to clients and continues to build professional relationships.

Belinda currently resides in the south suburbs of Chicago along with her three children. She loves to cook and spend time with family and friends.

Laura Cardinal is a Senior Registered Client Service Associate with the Modern Perspective Group at Morgan Stanley. She brings over 30 years of experience to the table and is always looking for ways to expand her knowledge base in order to help clients with their financial needs. She joined Morgan Stanley with Steven Howard in 2022 and assists clients with all things administrative including account opening, maintenance and all around problem solving.

Laura resides in the suburbs of Chicago with her Shih Tzu, Vita. She has two grown sons and in her free time she volunteers at her church, loves to cook, swim, read books and spend as much time as possible with dog, Vita. She is an avid sports fan, with the Chicago Bulls at the top of her list.

Jack Degiorgio is a Registered Client Service Associate with The Modern Perspective Group. He recently started with Morgan Stanley in August 2023, focusing on providing excellent service with every client interaction.

Jack is a recent graduate of Michigan State University as of May 2023, with a major in Finance and a minor in Wealth Management and Financial Planning. Born and raised in the Chicagoland area, he recently moved back to Chicago post-graduation. In Jack’s free time, he loves to get out on the golf course, hike, and cheer on his Michigan State Spartans.