Sean W. Ruediger
Private Banker
Kristin Gillis Long, CRPC®, CFP®
Senior Vice President,
Financial Advisor
Direct:
(410) 295-5813(410) 295-5813
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Kristin Gillis Long brings energy and dedication to her clients every day. In pursuit of excellence, she earned her CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc. as well as the Chartered Retirement Planning CounselorSM designation from the College for Financial Planning.
Through financial planning, Kristin has a special focus on the after-tax results her clients enjoy. Kristin’s professional satisfaction is measured as she see her clients achieve their financial goals. She chose Morgan Stanley as the future of her practice in 2021 in order to provide her clients with a more robust investment platform and greater services. Her investment philosophy emphasizes leveraging the intellectual capital of the firm to deliver world class investment solutions for her clients. She also empowers clients to align their investments with their values without comprising investment returns.
With her foundation in the business in client service, she believes exceptional service is at the root of every relationship. She gets to know her clients on a personal basis so she can provide them with the best advice for their families
Kristin began her career in the financial services industry in 1996 after attaining a degree in Business and Economics from Lehigh University. At Lehigh, she was also a member of the Women's Lacrosse Division I Team for four years. Through her many years of being in the financial services business and moving around with the Navy, she took on many roles in all aspects of the business that has made her more well rounded.
Kristin enjoys walking to Morgan Stanley’s Annapolis office from her home in Eastport, where she lives with her husband Matt “Spike” Long and their three boys, Nate, Sam, Graeme, and their adorable black Labrador Tubbs. Kristin’s family gives her balance in life – and when she’s not in the office you might find her running, watching her boys play lacrosse, sail or soccer, or taking her boys fishing or golfing.
Through financial planning, Kristin has a special focus on the after-tax results her clients enjoy. Kristin’s professional satisfaction is measured as she see her clients achieve their financial goals. She chose Morgan Stanley as the future of her practice in 2021 in order to provide her clients with a more robust investment platform and greater services. Her investment philosophy emphasizes leveraging the intellectual capital of the firm to deliver world class investment solutions for her clients. She also empowers clients to align their investments with their values without comprising investment returns.
With her foundation in the business in client service, she believes exceptional service is at the root of every relationship. She gets to know her clients on a personal basis so she can provide them with the best advice for their families
Kristin began her career in the financial services industry in 1996 after attaining a degree in Business and Economics from Lehigh University. At Lehigh, she was also a member of the Women's Lacrosse Division I Team for four years. Through her many years of being in the financial services business and moving around with the Navy, she took on many roles in all aspects of the business that has made her more well rounded.
Kristin enjoys walking to Morgan Stanley’s Annapolis office from her home in Eastport, where she lives with her husband Matt “Spike” Long and their three boys, Nate, Sam, Graeme, and their adorable black Labrador Tubbs. Kristin’s family gives her balance in life – and when she’s not in the office you might find her running, watching her boys play lacrosse, sail or soccer, or taking her boys fishing or golfing.
Services Include
- Wealth Management
- Retirement Planning
- Financial Planning
- Portfolio Management
- Lending Products
Securities Agent: WV, NJ, IN, TN, ME, DC, AZ, PA, OR, CO, AL, WA, MA, CT, MO, WI, MN, MD, GA, FL, VA, UT, DE, KY, NY, NM, KS, IL, CA, TX, SC, NC, MI, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 684940
NMLS#: 684940
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Wealth Management Strategy as Individual as You Are
My wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life, making sure to align with your goals and wealth management plan.
As the goals you set today evolve over time, my process is designed to evolve with them.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, I can help you take charge of your financial future and achieve your goals
As the goals you set today evolve over time, my process is designed to evolve with them.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, I can help you take charge of your financial future and achieve your goals
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individuals financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401K early distributions under IRS Rule 72(t).
Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long term goals.
Complete Questionnaire HereLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401K early distributions under IRS Rule 72(t).
Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long term goals.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why its vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results. We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions you make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions you make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool Today
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Start Planning NowOur Suite of Services
As your wealth grows, the complexities and resources needed to manage it effectively grow as well. I deliver innovative strategies that are tailored to your financial goals.
Wealth Management
Wealth management aims to bring all the dimensions of your life together. By understanding the connections of your personal life, family, career and goals, I can develop a comprehensive strategy unique to you.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process, taking into consideration the financial markets as well as your investment objectives. I work to create a custom strategy with investment principles that help you reach your financial goals.
Cash Management Services
Part of a financials strategy includes having adequate cash flow as well as securing liquidity. I work strategically to reach your cash management as well as borrowing requirements, while considering long term costs and taxes.
Retirement Planning
A key focus is to help you prepare for as well as thrive in retirement. I can manage your retirement plan, assisting you with the transition to retirement securely and confidently
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or to a charity requires much attention. I can help assist you with your estate planning and philanthropic strategy objectives
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our extensive suite of digital tools are designed to assist and enhance your financial life.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a suite of features allowing you to manage your everyday finances. With Morgan Stanley Online, you can pay bills, send money, transfer funds and authorize transactions with one click using eAuthorizations.
Morgan Stanley Online
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
By having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
Total Wealth ViewBy having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
eDelivery
eDelivery enhances your digital experience by providing you with the ability to view statements and other documents electronically. eDelivery allows you to securely save, print, send and receive documents from Morgan Stanley Online as well as the Morgan Stanley Mobile App
eDelivery
Digital Vault
Digital Vault allows you to securely store your financial records using encryption. Documents are organized, stored securely and made readily available when necessary.
Digital VaultResearch
Complex financial situations are made easier to understand through Morgan Stanley's in-depth analysis. The links below provide material on topics that are affecting the world of business, and help you understand what is being done on your behalf today, as well as in the future.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Latest GIC
On the Markets
Detailed Market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Report
How to Handle Volatility
The markets have experienced increased volatility lately. Learn more about why investors should focus on the long game.
Learn More
A Simple Retirement Checkup
When market volatility arises, checking in on your retirement plan makes sense
Learn moreClient Service Team
Caitlin Johnston - Wealth Management Associate
Phone:
(410) 295-5871(410) 295-5871
Email:Caitlin.Johnston@morganstanley.com
Caitlin has worked in customer service and support in the financial services industries since 2008 and has been with the Weaver-McKee Group since coming to Morgan Stanley in 2012. In addition to providing excellent client service, Caitlin also prepares performance reports, and assists with developing investment strategies, financial planning, and research
Molleda Koy - Registered Associate
Phone:
(410) 972-3214(410) 972-3214
Email:molleda.koy@morganstanley.com
Molleda has over 20 years of experience in the financial industry, and joined Morgan Stanley in 2013. She holds a BS in Business Administration. Molleda has two adult children and enjoys spending time tending to her fruit trees and fishing.
Location
410 Severn Ave
Bldg B Ste 211
Annapolis, MD 21403
US
Direct:
(410) 295-5813(410) 295-5813
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
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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
529 Plans: A Powerful Tool to Save for Education
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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
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Kristin Gillis Long today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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)
