Deborah J Elmes, CFP®
First Vice President, Financial Advisor, Branch Manager
Phone:
(410) 770-6147(410) 770-6147
Morgan Stanley
Easton Branch Office
You define success, we help you achieve it
28601 Marlboro Ave
Ste 201
Easton, MD 21601
US
Branch:
(410) 822-3400(410) 822-3400
Toll-Free:
(800) 634-0070(800) 634-0070
Branch Manager
Deborah J. ElmesPhone:
(410) 770-6147(410) 770-6147
About Morgan Stanley Easton Branch
Our Financial Advisors strive to earn the trust of many individuals, families and institutions while helping them achieve their goals. With a full suite of services, our objective is to deliver the resources that can best accomplish each client’s unique goals.
I. Putting Clients First – We believe strongly in our responsibility to put our client’s interests ahead of all else
II. Doing the Right Thing – We do our work right the first time and as a model for others to emulate
III. Leading With Exceptional Ideas – Improvement is always the goal, and we welcome innovation to better serve our clients
IV. Giving Back – Building a better world means giving back and growing together
We look forward to working together.
I. Putting Clients First – We believe strongly in our responsibility to put our client’s interests ahead of all else
II. Doing the Right Thing – We do our work right the first time and as a model for others to emulate
III. Leading With Exceptional Ideas – Improvement is always the goal, and we welcome innovation to better serve our clients
IV. Giving Back – Building a better world means giving back and growing together
We look forward to working together.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Easton Branch
Sean W. Ruediger
Associate Private Banker
About Deborah J Elmes
With 32 years in the industry, I offer season professional advice for a well-thought out plan to enhance your financial future. Our Easton branch is comprised of advisors and support staff with diverse professional backgrounds, recognition from Forbes and Barron’s, and individuals deeply involved with the local community.
I graduated from George Mason University with a Bachelor of Science in Public Administration. Upon graduation, I immediately began my career in the securities industry as the Operations Manager at Legg Mason. Despite my success within our operations department, I decided I wanted to pursue a career working closely with individuals. This new career path would allow me the opportunity to achieve my ultimate objective of helping individuals and families meet their financial goals and dreams.
Upon completion of my Series 7, 63, and 65 licenses I was promoted to the role of Financial Advisor. In 2001 I completed and received my "Certified Financial Planner(R)" designation. These credentials, along with my insurance license, allow me the opportunity to serve my clients in all areas of wealth management. In 2015, I was asked to take on another role within Morgan Stanley - to manage the Easton Maryland office. I completed the Series 9 and 10 exams, and I now have the privilege of managing this office. My top priority is to continue to serve my clients, putting their needs first.
When I am not working with my clients, I enjoy spending time with my family. We live on a farm on the Eastern shore of Maryland. My family is my most valued asset.
I graduated from George Mason University with a Bachelor of Science in Public Administration. Upon graduation, I immediately began my career in the securities industry as the Operations Manager at Legg Mason. Despite my success within our operations department, I decided I wanted to pursue a career working closely with individuals. This new career path would allow me the opportunity to achieve my ultimate objective of helping individuals and families meet their financial goals and dreams.
Upon completion of my Series 7, 63, and 65 licenses I was promoted to the role of Financial Advisor. In 2001 I completed and received my "Certified Financial Planner(R)" designation. These credentials, along with my insurance license, allow me the opportunity to serve my clients in all areas of wealth management. In 2015, I was asked to take on another role within Morgan Stanley - to manage the Easton Maryland office. I completed the Series 9 and 10 exams, and I now have the privilege of managing this office. My top priority is to continue to serve my clients, putting their needs first.
When I am not working with my clients, I enjoy spending time with my family. We live on a farm on the Eastern shore of Maryland. My family is my most valued asset.
Securities Agent: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WV, WY; Investment Advisor Representative; BM/Supervisor; General Securities Representative
NMLS#: 1383237
NMLS#: 1383237
About Sean W. Ruediger
NMLS# 1192383
Sean Ruediger is an Associate Private Banker serving Morgan Stanley’s Wealth Management offices in the Washington D.C./Annapolis complex.
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 Alexandria, Virginia.
Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
Sean Ruediger is an Associate Private Banker serving Morgan Stanley’s Wealth Management offices in the Washington D.C./Annapolis complex.
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 Alexandria, Virginia.
Outside of the office, Sean enjoys writing music, graphic designing and spending time with his family and friends.
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Branch Address
28601 Marlboro Ave
Ste 201
Easton, MD 21601
US
Branch:
(410) 822-3400(410) 822-3400
Toll-Free:
(800) 634-0070(800) 634-0070
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
CRC 6491812 04/2024