

The RWO Group at Morgan Stanley

Our Mission Statement
Welcome
- Cash Management and Lending ProductsFootnote1
- Asset Management
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Certificates of DepositFootnote3
- Corporate BondsFootnote4
- Financial PlanningFootnote5
- Retirement PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Donor Advised Funds
- Business Succession PlanningFootnote8
The CFP® Difference
Individuals certified by the CFP® board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for professional's with a CFP® ability in helping clients achieve their goals. See below for more information about the CFP® designation and how we can help:
Education
Professionals with a CFP® must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
Professionals with a CFP® must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits, retirement planning, estate planning, Investment management and insurance.
Experience
Professionals with a CFP® are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
Professionals with a CFP® are obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of conduct require those who hold a CFP® to put their client's interest first above all else.
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Meet The RWO Group
About Joel Rupp
A native of Pettisville, Ohio, Joel received his BBA in Finance from the University of Toledo. He and his wife Benét currently reside in Monclova, OH. Active in his community, Joel is Past Chair / Board Member at The First Tee of Lake Erie He has also served on Mercy’s Foundation Board of Trustees and Mercy Children’s Foundation. He also is the co-recipient of the 2021 ProMedica Foundations Philanthropy Volunteer of the Year. When away from the office, he enjoys spending time outside and golfing at Toledo C.C.
NMLS#: 1889151
About Deborah Williams
Growing up in Toledo, Debbie received her Organizational and Legal Administration degree from the University of Toledo. She currently lives in Manitou Beach, Michigan with her husband, Dennis, and they have three children, Zach, Kyle and Niki. Active in the community, Debbie stays involved through the UW Women’s Initiative and is past president of Northwest Ohio Girl Scout Council and United Way Women’s Initiative.
NMLS#: 1364417
About Andrew B Weiner
After attending Unity College Andy worked for eight years providing consulting services to the commercial banking industry before discovering his passion for helping people and their families achieve stated financial goals. In 2017 Andy received a professional certificate in Certified Financial Planning from Northwestern University and in 2020 joined the Association of Professional Investment Consultants (APIC), a group of Morgan Stanley Financial Advisors dedicated to professional development and practice management.
Andy currently serves as President of the Board of Trustees at Maumee Valley Country Day School (his children’s school) where he has been on the board since 2017. Andy also serves on the Otterbein-Sunset Board of Directors where he was Board President from 2017-2021 and led the legacy Sunset Retirement Communities through its affiliation with Otterbein Senior Living. Andy and his wife Sarah live in Sylvania, OH with their daughters Lila and Penny, and their son Ozzy.
NMLS#: 1406549
CA Insurance License #: 4016485
About Brittany Oldham
A lifelong resident of Ohio, Brittany received her BBA in Finance from the University of Cincinnati. She and her husband, Dan, their children, Lila and Emmitt, currently reside in Perrysburg, OH. In her spare time, she enjoys running, boating, and watching her kids in their activities.
NMLS#: 2579901
About Connor Brown
A lifelong resident of Ohio, Connor received his bachelor’s degree in business administration from Grand Canyon University in Phoenix, Arizona. He and his wife, Maddie, currently reside in Holland, OH. In his spare time, he enjoys golfing, traveling, lake days, and just about any sport.
About Mary Ankenbrandt
Mary holds five securities licenses, including the Series 7, 9, 10, 63, and 65. Her experience and knowledge of the industry and the firm are invaluable.
She lives in Toledo, Ohio and enjoys spending time with her extensive family.

Contact Joel Rupp

Contact Deborah Williams

Contact Andrew B Weiner

Contact Brittany Oldham
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Mosaic
1Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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