

Carol Ann Ruehl

My Mission Statement
My Story and Services
In 2017, 2018, 2019, 2020 and 2021, Carol was named to Morgan Stanley’s Pacesetters Club. The Club is a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service.
Carol has spent her financial services career at Morgan Stanley. Prior to becoming a Financial Advisor, she was a Financial Planning Associate and Portfolio Associate. In this role she was responsible for helping to educate clients on the importance of asset allocation and develop strategies to mitigate risk while still designed to meet clients’ goals. Carol joined Morgan Stanley in 2004 as a Client Service Associate.
Originally from Easthampton MA, Carol and her husband Michael moved to Tucson, AZ in 2001. She is the proud mom of two adult children, son Kristopher and daughter Stephanie. In addition to volunteering at her church, Carol enjoys spending time with family and friends, traveling and taking cooking classes.
Carol holds FINRA Series 7, 63, 65, 31 and Life Insurance licenses.
NMLS#: 1446173
I have an unwavering focus on your financial strategy and personal goals.
I listen intently to what is important to you to help you prioritize your financial goals.
I identify the appropriate type of retirement plan and road map to help secure your future, as well as maintain beneficiary designations and assist with required minimum distributions.
I review your college 529 and Coverdell Education Savings Accounts to provide guidance on meeting future educational funding needs.
I engage the vast array of resources at Morgan Stanley to assist in lending, insurance and tax planning.
I am experienced in various economic cycles to guide you through difficult markets and help you maintain a long-term perspective.
I utilize world-class research at Morgan Stanley and third parties to select investments for your portfolio.
I employ an asset allocation strategy designed to help you reduce risk, maximize return and achieve your financial goals.
I consistently monitor and analyze your investment allocation, keeping abreast of changes in the financial markets, economic landscape and any changes in your priorities.
I am laser focused on my clients' success; my clients always come first.
I am dedicated to providing boutique-like service and committed to returning calls promptly.
I have a dedicated team; my Client Service Associate is experienced, attentive and client-focused.
I value deep and lasting client relationships that are formed with exceptional customer service.
I educate your children and grandchildren about financial concepts and investments, thereby creating a continuity of your financial plan through generations.
Location
Meet My Team
About Stephanie Ruehl
Prior to joining Morgan Stanley, Stephanie spent over seven years in Gilbert, AZ working at General Motors as a software engineer, climbing the ladder to a Lead Software Engineer position.
In her free time, she enjoys playing with her dog, cat, and three year old daughter. She’s constantly looking for more places to take her daughter and dog on outdoor adventures. In the rare quiet moment, she enjoys reading, cooking, and crafts.
The Power of Partnerships
About Nikki Ranck
Private Bankers partner with 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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Q1 Newsletter 2025
Portfolio Insights
Mosaic
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