David Potischman, CFP®

Start with a conversation to gain a thorough understanding of your needs, lifestyle and family – and your goals for the future.

David works with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.

Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.

David helps you track your progress as well as spending and savings to help ensure you remain on track towards your goals.

Events such as death, disability, or retirement of a business owner don't have to mean the end of a successful business. Succession planning can provide for an orderly transition of ownership and business management during lifetime or at death. There are various options for structing and funding buy-sell agreements, key employee needs, and other executive benefits programs.

Creating and growing a successful business is seldom just about money, nor is the decision to exit the business. Whether that exit is through IPO, merger with another company, private sale, or succession within the family, the process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial needs. Morgan Stanley has been helping business owners like you bring clarity and confidence to what is typically a once-in-a-lifetime event.

How performance shares work:

• The difference between incentive and non-qualified stock options, as well as restricted stock awards and units.

Designed for executives who have significant wealth in stock and options of their company, the Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.

As a corporate executive, you may be aware of material non-public information at any time and can also face company-imposed quarterly or specific blackout periods restricting market access to trading your company stock. A 10b5-1 plan is designed to address these issues. By utilizing a 10b5-1 plan, you can gain an affirmative defense against claims of insider trading. Your plan can include tailored trading schedules that coordinates with your personal need for liquidity and your own timing requirements.

Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.

View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.

Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.

eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.

Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.

Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.

Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.

The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.

This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.

Managing an investment portfolio should be consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, David creates a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow/income as you require.

It is important to understand how taxes can affect after-tax returns on a basic level. It can be commonly understood that the realization of gains and payment of taxes will ultimately have an impact on the ending value of the investment portfolio, but by how much? Tax-Efficiency and Active Tax-Loss Harvesting are strategies targeted at minimizing these costs. This can be accomplished through proper asset allocation, calculated liquidation strategies across various holdings, tactical distributions and many more insights that David reviews with his clients to help them achieve their financial goals.

Budgeting can be the simplest of tasks and helps create a foundation in financial management, but often gets forgotten. David starts with a focus on inflows vs. outflows. Specifically, what are the planned contributions and distributions? By identifying the cash flows, your forecasted risk can be prudently determined by David. Forecasted risk is a combination of calculated risk and behavioral risk which pinpoints an appropriate framework for asset allocation and behavioral finance tendencies. These pillars will help you keep short-term and long-term objectives equally in the limelight while constructing your personal wealth plan.

David recognizes that clients and their families have unique needs that require dedicated experience and capabilities. His goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.

Applying sophisticated analytical tools, models and applications, David is able to produce quantitative analysis of complex situations and scenarios. This helps quantify the implications of taking various courses of action, helping you make clear and informed decisions and ultimately solving the complex financial planning challenges you and your legacy can face. David works with you and your attorneys to help ensure your estate plan is aligned with your values and your aspirations for the next generation.

Collaborating with your legal and tax advisors, David can help integrate charitable giving or philanthropy into your wealth plan so you may enhance the impact within your community and organizations. David is there at each stage to better define your mission and values as he creates a sustainable and effective charitable or philanthropic strategy throughout your life.

David strives to maximize family wealth education, making it more likely that all members of your family will have the foundation they need to lead meaningful, fulfilled and engaged lives. This includes the dynamics of intergenerational wealth transfer and, when needed, providing personalized wealth education to prepare younger generations to be stewards of the wealth they will inherit.

Exiting your company in a way that supports your financial objectives, preserves business value, and positions your wealth to potentially achieve your legacy and multigeneration goals takes careful planning that begins years and many months in advance. David assists at each and every stage of the process, helping you map out and illustrate potential issues against your current timeline, all while working with your outside advisors to help ensure that you are properly positioned to help minimize taxes from the transaction.