Sean W. Ruediger
Private Banker
J. Ambler Cusick, CIMC®
Senior Vice President,
Financial Advisor
Direct:
(202) 861-5045(202) 861-5045
Toll-Free:
(800) 522-3546(800) 522-3546
My Mission Statement
I take pride in the fact that I am the personal CFO for families in the Washington, DC area and around the country. I take those families financial world and give it an understandable and clear path towards success now and in the future.
Welcome
Ambler Cusick, a Senior Vice President and Financial Advisor with over 30 years of experience in the financial services industry, specializes in creating custom strategies tailored to his clients unique goals and needs. Leveraging the resources and solutions offered through Morgan Stanley, Ambler assists clients with various aspects of their financial lives, including investment strategies, retirement and financial planning, mortgages and lending, among others. His expertise and commitment to building long term relationships with his clients allows him to provide comprehensive and personalized financial advice to help them achieve their financial objectives.
Outside of work Ambler enjoys playing golf, cooking, and spending time with his two children and dog, Larry.
Outside of work Ambler enjoys playing golf, cooking, and spending time with his two children and dog, Larry.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Corporate BondsFootnote7
- Estate Planning StrategiesFootnote8
- Exchange Traded FundsFootnote9
- Fixed IncomeFootnote10
- Lending Products
- Long Term Care InsuranceFootnote11
- Retirement PlanningFootnote12
Securities Agent: MD, CT, TN, NY, NH, DE, DC, NJ, VA, OH, CO, CA, AR, NC, MA, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1285222
NMLS#: 1285222
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
My approach places a strong emphasis on your unique circumstances, including your family and career. Through collaborative efforts, I create tailored strategies to guide you towards your financial aspirations and provide expert guidance to facilitate informed decision making about wealth management.
1. Introductory Call
We'll begin by having an informal conversation to better understand your financial needs and goals. If we agree to move forward, we'll schedule our next meeting and request relevant financial information to help us provide you with the most value.
2. Get to know you meeting
We'll further our conversation by engaging in a detailed discussion to understand the values that guide your financial decisions and identify any unique circumstances you may have. Additionally, we'll review any documents you have prepared and work together to define your financial priorities. This will help us gain a comprehensive understanding of your financial situation and tailor our approach to best meet your needs.
3. Analysis and Plan Development
Next, we use proprietary financial planning tools to create a personalized plan with recommendations to grow, preserve and transfer your wealth.
4. Implementation
In this phase, we offer tailored approaches that are carefully crafted to align and support your objectives. Once you give us the green light, we will proceed to set up new accounts for you with Morgan Stanley and put our investment recommendation into action. Additionally, we will start implementing other strategies that we have previously discussed, such as tactics for reducing taxes, managing risks and planning for your estate.
5. Ongoing Service
Dedicated to delivering top-notch service, our priority is to establish a meaningful relationship that can bring value to you and your loved ones. As we start putting each strategy into action, we will also set up tools that grant you instant access to your account information. Furthermore, recognizing that markets and personal circumstances change over time, we will schedule regular meeting to ensure your plan stays on track towards achieving your goals.
Community Involvement
Philanthropy Organizations
St Jude Children's Research Hospital
- St Jude Children's Research Hospital is a leading pediatric research and treatment center dedicate to advancing the treatment and research of childhood catastrophic diseases.
Children's Miracle Network Hospitals
- Children Miracle Network Hospitals is a non profit organization that supports children's hospitals in North America through fundraising and awareness efforts.
- St Jude Children's Research Hospital is a leading pediatric research and treatment center dedicate to advancing the treatment and research of childhood catastrophic diseases.
Children's Miracle Network Hospitals
- Children Miracle Network Hospitals is a non profit organization that supports children's hospitals in North America through fundraising and awareness efforts.
Philanthropy Organizations
Tiger Woods Foundation
- The Tiger Woods Foundation is a charity that supports education, character development and healthcare access for underserved youth in the U.S.
Meridian House, Washington DC
- Meridian House promotes global engagement, international exchange, and cross cultural understanding through programs and events.
- The Tiger Woods Foundation is a charity that supports education, character development and healthcare access for underserved youth in the U.S.
Meridian House, Washington DC
- Meridian House promotes global engagement, international exchange, and cross cultural understanding through programs and events.
Education
Bachelor of Arts(B.A.), Political Science/Finance
Washington and Lee University
Certified Investment Management Consultant SM Designation
George Washington University School of Business
Series 7, 65 and 63 Licenses
Life and Health Insurance Licensed
Washington and Lee University
Certified Investment Management Consultant SM Designation
George Washington University School of Business
Series 7, 65 and 63 Licenses
Life and Health Insurance Licensed
Experience
Morgan Stanley
Senior Vice President
2007-Present
UBS Financial Services
First Vice President- Investments
2000-2007
Alex Brown and Sons, Inc.
Investment Representative
1990-2000
Senior Vice President
2007-Present
UBS Financial Services
First Vice President- Investments
2000-2007
Alex Brown and Sons, Inc.
Investment Representative
1990-2000
Resources for you
Our array of digital tools is designed to improve all aspects of your financial life. We offer several technologies to our clients, including Total Wealth View. These tools are designed to help you manage your finances more effectively and achieve your financial goals. I have also included resources that simplify complex financial analysis and research into easily understandable content for our clients.
Morgan Stanley Online
Manage your investments and finances securely and effortlessly from one platform
Learn more about Morgan Stanley Online
Total Wealth View
Experience a comprehensive view of your finances with Total Wealth View. By connecting your accounts, you can enjoy better-informed wealth planning, secure data access, and convenient connectivity, all in one place.
Learn more about Total Wealth View
Planning for Retirement
Saving for retirement is undeniably important, but equally essential is having a plan of action for when you actually retire
"Overcoming your 5 Biggest Retirement Challenges"
Market Podcast
Explore different perspectives on the current financial marketplace trends as Mike Wilson, Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist and his colleagues share their insights on the market's influential factors.
Check out the latest episodeLocation
1775 I Street NW
Suite 200
Washington, DC 20006
US
Direct:
(202) 861-5045(202) 861-5045
Toll-Free:
(800) 522-3546(800) 522-3546
Fax:
(202) 609-9316(202) 609-9316
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
Tolu Adeyemi
Private Banker
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley’s Wealth Management offices in Washington D.C. and Maryland.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean began his career in financial services in 2012 and joined Morgan Stanley in 2016. Prior to joining the firm, Sean worked at PHH Mortgage as a Senior Loan Processor assigned to Morgan Stanley’s clients. Additionally, he was PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean is a Lean Six Sigma certified yellow belt. He and his wife reside in Maryland. Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
NMLS#: 1192383
About Tolu Adeyemi
Tolu Adeyemi is a Private Banker serving Morgan Stanley Wealth Management offices in Washington D.C. and Maryland.
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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
NMLS#: 643728
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
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
Article Image
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 J. Ambler Cusick today.
1Investors 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.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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 legal matters.
5Morgan 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 legal matters.
6Morgan 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When 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.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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 legal matters.
5Morgan 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 legal matters.
6Morgan 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
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12When 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.
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)
