David R. Esham
Branch Manager, Managing Director, Senior Investment Management Consultant
Phone:
(410) 341-7902(410) 341-7902
Morgan Stanley
Salisbury Branch Office
You define success, we help you achieve it
150 West Market St
Ste 301
Salisbury, MD 21801
US
Branch:
(410) 341-7900(410) 341-7900
Toll-Free:
(800) 676-7461(800) 676-7461
Branch Manager
David EshamPhone:
(410) 341-7902(410) 341-7902
About Morgan Stanley Salisbury Branch
For us, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
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
- Lending SolutionsFootnote9
- Cash Management SolutionsFootnote10
- Philanthropic GoalsFootnote11
Our Team at Morgan Stanley Salisbury Branch
Peter Scott, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(410) 341-7918(410) 341-7918
Kristopher Todd, CFP®, CRPC®
First Vice President, Financial Advisor
Phone:
(410) 341-7912(410) 341-7912
About David R. Esham
Dave Esham has worked as a Wealth Advisor with Morgan Stanley since he started in the investment business in 1995. During his tenure, he was recognized by Dean Witter with the National Sales Directors Award and Intercapital Sales Excellence Award. He has also been inducted into the Morgan Stanley Masters Club (2010-2021) and Presidents Club (2022-2025). The focus of Dave’s practice is in the areas of retirement, financial planning, Investment consulting, and estate tax planning. Acting as a Senior Investment Consultant, he holds Series 7, 10, 9, 65, 63, 3, and 31 securities licenses, as well as the life insurance certification. Furthermore, Dave earned the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of Business. Dave has been named one of Forbes' "Best-In-State Wealth Advisors" every year from 2018 through 2025. Born and raised in Salisbury Maryland, Dave has both deep and longstanding ties to the community. He only left the area to attend college and after graduation from Frostburg University he returned home where he now resides with his wife, Renee. They have two children, Hunter and Morgan, as well as two dogs, Ash and Finley. Dave enjoys outdoor activities such as hunting, fishing, and working on his small farm. Dave volunteers for charities such as Ducks Unlimited, and Trinity's Appalachian Service Project. Additionally, he was awarded membership with the Greater Salisbury Committee and a past board member of the Salisbury Wicomico Arts Council and the Arts Institute and Gallery.
Forbes Best-In- State Wealth Advisors
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; Investment Advisor Representative; BM/Supervisor; General Securities Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282599
NMLS#: 1282599
About Peter Scott
Peter Scott is a Financial Advisor and Financial Planning Specialist, joining Morgan Stanley in January of 2022. He brings with him over 20 years of financial experience in lending and banking with BB&T, Wells Fargo, and SunTrust, and most recently at Hebron Savings Bank. He is a graduate of Salisbury University and has lived on the Eastern Shore for over 30 years. Peter is a Certified Financial Planner™ (CFP®) and holds the Series 7, Series 63, and Series 65 licenses, along with mortgage licenses and life and health insurance certifications. When he’s not meeting with clients, he can be found at home with his wife Jamie, three young girls Lily, Lucy and Ruby or throwing a tennis ball to his two chocolate Labradors Otis and Cocoa.
About Kristopher Todd
Kris Todd first entered the financial services industry as a financial advisor in 2009 and recently moved his practice to Morgan Stanley joining the Tidewater Planning Group in order to leverage the world class wealth management leadership the team and firm provides. When working with clients, Kris strives to never settle for yesterday’s approach and diligently works to refine strategies as the markets and clients’ life goals evolve. Education and accountability are at the forefront of his relationships, as he believes informed investors are better prepared to pursue long-term success.
In a constantly dynamic global economy, Kris Todd delivers the goals-based wealth management services investors need to help ensure their financial decisions align with their life goals. As a dedicated Wealth Management Advisor, he believes clients receive the best outcomes when a professional is by their side with straightforward, honest guidance, no matter their objectives. Kris delivers personalized service and hands-on guidance solely driven by clients’ unique needs.
Acting as a Financial Advisor, Kris holds a Series 7, 63, 65, and a Life Insurance Certification. Additionally, Kris holds the CERTIFIED FINANCIAL PLANNER™, CFP® certification and the Chartered Retirement Planning Counselor™, CRPC™ professional designation. He earned a bachelor's degree in finance from Salisbury University.
Kris and his wife Traci have been blessed with three children: Sadie, Kyler and Savanna.
In a constantly dynamic global economy, Kris Todd delivers the goals-based wealth management services investors need to help ensure their financial decisions align with their life goals. As a dedicated Wealth Management Advisor, he believes clients receive the best outcomes when a professional is by their side with straightforward, honest guidance, no matter their objectives. Kris delivers personalized service and hands-on guidance solely driven by clients’ unique needs.
Acting as a Financial Advisor, Kris holds a Series 7, 63, 65, and a Life Insurance Certification. Additionally, Kris holds the CERTIFIED FINANCIAL PLANNER™, CFP® certification and the Chartered Retirement Planning Counselor™, CRPC™ professional designation. He earned a bachelor's degree in finance from Salisbury University.
Kris and his wife Traci have been blessed with three children: Sadie, Kyler and Savanna.
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Branch Address
150 West Market St
Ste 301
Salisbury, MD 21801
US
Branch:
(410) 341-7900(410) 341-7900
Toll-Free:
(800) 676-7461(800) 676-7461
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.
9Morgan 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
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 (“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.
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 a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
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.
9Morgan 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
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 (“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.
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 a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
CRC 4665150 (08/2025)