David Osborn, CLU®, ChFC®, CRPC®
Senior Vice President, Financial Advisor
Phone:
(610) 398-6040(610) 398-6040
Our Mission Statement
To create and maintain long-lasting relationships with clients by playing a significant role in the achievement of their financial goals.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Individual Plans For Individuals Like You
We are a financial planning practice that is focused on understanding our clients to the best of our ability so that we can offer sound and appropriate advice. We act as your personal CFO and develop tailored financial plans and investment strategies around your goals, needs and concerns to help guide you on your financial journey. We do so through our consultative process, where we gain an understanding of you and your family and what you want to achieve with your wealth. We then utilize our financial planning software which documents your current situation and goals and in turn creates a roadmap to achieving these goals. The financial planning process helps identify whether you are taking too much or not enough risk to meet specific milestones and determines the best place to direct your next dollar.
By utilizing our financial planning software and the intellectual capital and resources of Morgan Stanley we are able to uncover blind spots in your plan and implement both investment strategies and saving techniques best suited to helping you achieve short and long term goals.
We are there every step of the way, continuously monitoring your plan and staying up to date on your objectives and situation, to ensure that your financial plan reflects your current situation and goals.
By utilizing our financial planning software and the intellectual capital and resources of Morgan Stanley we are able to uncover blind spots in your plan and implement both investment strategies and saving techniques best suited to helping you achieve short and long term goals.
We are there every step of the way, continuously monitoring your plan and staying up to date on your objectives and situation, to ensure that your financial plan reflects your current situation and goals.
1. Personal
Highly individualized and committed to helping you achieve financial success.
2. Flexible
Responsive to changes in your life and in your priorities over time.
3. Comprehensive
Cover a broad range of investment products and services with preferred benefits tied to your valued status with us.
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Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest ReportThose who created multi-generational wealth are soon faced with complex financial planning challenges that have a significant impact on the size and scope of their legacy. Some clients worry about the nuts and bolts-asset allocation, investment selection, tax planning-while others want to coach younger generations on how to become good stewards of family wealth and how to be an effective philanthropist, or wonder how a family will make join decisions after a large inheritance. To assist with these issues, we provide access to experienced professionals who are available to discuss various tax, trust and estate strategies with you and your personal advisors, help facilitate the implementation of those strategies, and focus on the integration of your investment plans. Helping you explore factors that are relevant to your estate structures and strategies.
Disclosures:
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. 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.
Disclosures:
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. 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.
Legacy and Trusts
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Learn More Here
Estate Planning Essentials: A Guide
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Read Here
Protecting Yourself and Your Family with Estate Planning
For many of us, estate planning is something we know we should do but often manage to postpone until some indefinite time in the future. But putting off this part of your financial life could mean passing over an opportunity to preserve the lifestyle you’ve worked so hard to create and to dictate your legacy on your terms.
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Family Business That Lasts Generations
Successful family businesses establish a shared mission and succession plan to endure for generations to come
Learn MoreLocation
515 W. Hamilton St.
7th Floor
Allentown, PA 18101
US
Direct:
(610) 398-6040(610) 398-6040
Meet The Osborn Group
Daulton Miller, CRPC®
Financial Advisor
Phone:
(610) 391-6327(610) 391-6327
About David Osborn
David began his financial services career in 1986, joining Morgan Stanley in 2021 after spending 25 years with Merrill Lynch. He holds Series 6, 7, 22, 62, 63 and 66 FINRA registrations. David also holds the Chartered Life Underwriter, Chartered Financial Consultant and Chartered Retirement Planning Counselor credentials, as well as being an Accredited Estate Planner through the National Association of Estate Planning Councils. In addition to helping clients build long term investment strategies, David helps families and business owners focus on their wealth transfer, philanthropic and succession planning goals. David has a unique combination of experience and training in estate planning, working closely with their attorneys and accountants in developing customized strategies.
David graduated from Emmaus High School, Emmaus PA, followed by a couple years of college business studies. That led to a sales and sales management career with Frito-Lay, a world leader in the snack food industry, achieving several accolades for managing leading sales territories. This was followed by, in 1986, a major career change pursuing a desire to help families identify and develop goals for their financial well-being and aspirations.
Affiliations:
Estate Planning Council of the Lehigh Valley
Allentown Symphony Association: Director and Past President
Past President of the Lehigh Valley Chapter of the Society of Financial Service Professionals
David and his wife, Carol, are lifelong residents of the Lehigh Valley and reside in Lower Macungie Township. Both being avid golfers, they are active members of Lehigh Country Club. They have two children and four grandchildren.
David graduated from Emmaus High School, Emmaus PA, followed by a couple years of college business studies. That led to a sales and sales management career with Frito-Lay, a world leader in the snack food industry, achieving several accolades for managing leading sales territories. This was followed by, in 1986, a major career change pursuing a desire to help families identify and develop goals for their financial well-being and aspirations.
Affiliations:
Estate Planning Council of the Lehigh Valley
Allentown Symphony Association: Director and Past President
Past President of the Lehigh Valley Chapter of the Society of Financial Service Professionals
David and his wife, Carol, are lifelong residents of the Lehigh Valley and reside in Lower Macungie Township. Both being avid golfers, they are active members of Lehigh Country Club. They have two children and four grandchildren.
Securities Agent: OH, MI, CO, NC, CT, VT, VA, PA, FL, MD, NY, NJ, AZ, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 533845
NMLS#: 533845
About Daulton Miller
Daulton is a graduate of Kutztown University and a life-time resident of the Lehigh Valley. With a focus toward developing strong relationships, his goal is to thoroughly understand the financial priorities of his clients so that he may best advise them. By listening to their current situations, future objectives and potential concerns, Daulton creates customized investment strategies designed to help them achieve their financial and life goals.
Daulton graduated from Kutztown University with a B.A. in Communications and a minor in Economics.
Daulton graduated from Kutztown University with a B.A. in Communications and a minor in Economics.
Securities Agent: DC, OH, MI, FL, VT, MD, NY, NJ, CO, AZ, PA, CT, NC, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1827091
NMLS#: 1827091
Contact David Osborn
Hear from Our Clients
There are many powerful adjectives that come to mind when working with our financial team, The Osborn Group. Just to name a few: tenacious, goal-driven, trustworthy and admirable. Our portfolio is in the hands of true professionals and we have nothing but praise for the entire team.
Mark & Tamra
Verified ClientMarch 18, 2024
Dave, Daulton, and their team are quite responsive and very proactive regarding the financial needs of my wife and I. often we are surprised as they know the specifics of our finances better than we do! They have earned our trust, and the trust of family that we have referred to them. When we are contacted by this team, it is always to help us In some way, instead of asking for our help for them. Signed, a very happy customer!
Bill
Verified ClientFebruary 21, 2024
When the time came to engage a Financial Advisor, Dave Osborn was the first person I thought of. Our periodic reviews are always very thorough and Dave is a good listener. When Daulton joined the team, they became the dynamic duo! As a result, I am better served. Trust, professionalism, and a solid team approach are the core elements that make this team a pleasure to work with.
Jim
Verified ClientNovember 11, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
Tony Gist
Associate Private Banker
About Tony Gist
Tony Gist is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State College where he received a Bachelor of Science with a concentration in Criminal Justice. He and his family currently reside in York, PA. Outside of the office, he enjoys playing golf, skiing, fishing, watching college football and attending concerts.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State College where he received a Bachelor of Science with a concentration in Criminal Justice. He and his family currently reside in York, PA. Outside of the office, he enjoys playing golf, skiing, fishing, watching college football and attending concerts.
NMLS#: 786299
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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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Osborn Group today.
1When 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.
2Alternative 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Structured 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.
6Morgan 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Alternative 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Structured 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.
6Morgan 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
