Dustin Seidman, CFP®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager, Insurance Planning Director
Phone:
(610) 260-8615(610) 260-8615
Spring Mill Wealth Management Group at Morgan Stanley
Our Mission Statement
A multigenerational team that leads with integrity, accountability and empathy to serve the unique needs of each client. Combining over 100 years of experience, our team provides best-in-class wealth planning and investment advice to position our clients so they can live life the way they choose.
Spring Mill Wealth Management Group
Spring Mill Wealth Management Group at Morgan Stanley is a multigenerational team providing financial planning and investment advice to successful business owners, executives, and families with substantial assets. We are committed to understanding every aspect of our clients’ lives so that we can leverage our team’s more than fifty combined years of experience and our firm’s vast resources to provide best in class, custom solutions. Our services include creating long term financial plans, delivering unbiased investment strategies, providing guidance on critical financial decisions, and helping clients achieve their legacy goals. Ultimately, our objective is to put our clients in a financial position that allows them to live life the way they choose.
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Cash Management and Lending ProductsFootnote4
- Estate Planning StrategiesFootnote5
- Business Succession PlanningFootnote6
- Trust ServicesFootnote7
- Philanthropic Services
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Corporate Retirement PlansFootnote10
- Corporate Investment SolutionsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Setting Your Objectives
We will begin our relationship by listening — discussing the full range of topics related to your financial needs and investment objectives: lifestyle, estate/life insurance planning, philanthropic and legacy goals and expectations, possible major purchases, and legacy and charitable goals. We will discuss your financial resources, time horizon for various goals, tolerance for risk and your liability structure.
Developing Your Wealth Management Strategy
After setting your objectives, our team will create a customized written financial and investment plan. This will address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. The plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
Implementing Your Strategy
After developing your wealth management strategy, we will implement a tactical global asset allocation for your investments which includes our Tax Management Services. Our team also work with you and your attorney to ensure your estate plan is in line with your objectives. This will include our consulting with you on your gifting program, philanthropic goals, and life insurance. Our team will also work with our Private Banker to assess and advise on your borrowing needs.
Reviewing Your Plan
After implementing your strategy, you will meet with a senior advisor to periodically review your financial plan and investment portfolio. This will allow us to track the progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, our team can suggest appropriate adjustments to your plan to help it remain aligned with your goals.
Morgan Stanley Reserved Living & Giving
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse the latest offers
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Read the latest insights
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
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Personal Finance
Morgan Stanley is committed to empowering young investors to make smarter financial decisions as they navigate the many milestones of adulthood. Below is a sample of Morgan Stanley's exclusive collection of resources.
Check out our ResourcesResearch & Digital Tools
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Morgan Stanley Online- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
LifeView
LifeView provides investors with a variety of financial planning tools that can be used to create specific and realistic strategies to accomplish their goals. Using this platform, we can work with clients to build a financial framework that fits them and gives them what they want in life.
LifeView Client Profile Form
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eAuthorization
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
eAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Enroll in eAuthorizationeAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital VaultAwards and Designations
Certified Financial Planner (CFP®) - Keith Cadden, Dustin Seidman, Hugh ODonnell & David Ambartsumian
Investment, Tax, Retirement, Estate, and Insurance planning. Professionals with their CFP® must have years of experience in financial planning services and pass a comprehensive exam before they are awarded this designation. A CFP® is held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Senior Portfolio Management Director – John Rosenburg
This prestigious title is the highest designation a Portfolio Manager can achieve. It can be obtained upon achieving a high amount of annual Portfolio Management production.
Insurance Planning Director – Dustin Seidman
Recipients of the IPD designation have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management.
Location
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7134(610) 260-7134
Meet Spring Mill Wealth Management Group
Keith Cadden, CFP®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager
Phone:
(610) 260-7478(610) 260-7478
Phone:
(610) 260-7196(610) 260-7196
Hugh ODonnell, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(610) 260-7479(610) 260-7479
Dean Gorfti
Registered Client Service Associate
Phone:
(610) 260-7688(610) 260-7688
Nicholas Cissone
Registered Client Service Associate
Phone:
(610) 260-7093(610) 260-7093
About Dustin Seidman
Dustin is a Financial Advisor, Senior Portfolio Manager, and CERTIFIED FINANCIAL PLANNER™. Starting at Morgan Stanley in 2009, he serves high and ultra high-net-worth clients.
Dustin was named to the 2022 Forbes Top Next-Gen Wealth Advisors Best-In-State ranking for Pennsylvania. Dustin’s wealth advisory practice focuses on consulting to successful families and their businesses. Prior to his time at Morgan Stanley, he was a Staffing Manager at Robert Half International and a Senior Mortgage Banker at National Fidelity Mortgage. He is on the Board of Directors for JEVS Human Services in Philadelphia and serves on their Investment Committee. Dustin holds a B.A. degree in Public Relations with concentration in Strategic Communications, and a marketing certificate. While at Towson, Dustin was president of his Sigma Pi Fraternity International chapter. He also was a past member of the Tribe 12 Fellowship for social entrepreneurs.
Dustin is active in his community of Lafayette Hill and volunteers at Congregation Or Ami. During his free time, Dustin enjoys spending time with his wife Sara, daughter Eva, and son Benjamin. Additionally, he likes cooking for friends and family, landscaping and gardening, reading about entrepreneurship and investments, being active in the great outdoors, skiing, hiking, and exercising.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22
Dustin was named to the 2022 Forbes Top Next-Gen Wealth Advisors Best-In-State ranking for Pennsylvania. Dustin’s wealth advisory practice focuses on consulting to successful families and their businesses. Prior to his time at Morgan Stanley, he was a Staffing Manager at Robert Half International and a Senior Mortgage Banker at National Fidelity Mortgage. He is on the Board of Directors for JEVS Human Services in Philadelphia and serves on their Investment Committee. Dustin holds a B.A. degree in Public Relations with concentration in Strategic Communications, and a marketing certificate. While at Towson, Dustin was president of his Sigma Pi Fraternity International chapter. He also was a past member of the Tribe 12 Fellowship for social entrepreneurs.
Dustin is active in his community of Lafayette Hill and volunteers at Congregation Or Ami. During his free time, Dustin enjoys spending time with his wife Sara, daughter Eva, and son Benjamin. Additionally, he likes cooking for friends and family, landscaping and gardening, reading about entrepreneurship and investments, being active in the great outdoors, skiing, hiking, and exercising.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22
Securities Agent: MO, MN, CT, CO, MD, WA, KS, DC, WV, VA, FL, NJ, MA, VT, RI, TX, SC, MI, IA, AZ, OR, IL, CA, LA, WI, ME, GA, DE, UT, NY, NV, NC, PA, IN, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290423
NMLS#: 1290423
About Keith Cadden
Keith is a Senior Vice President within the Wealth Management business of Morgan Stanley. Keith joined Morgan Stanley in 2015. He works with high and ultra high-net-worth clients and family offices to manage all aspects of their wealth. He collaborates with his clients in a proactive manner to create and manage a comprehensive wealth management plan.
Prior to joining Morgan Stanley, Keith spent seven years in the Private Bank at Credit Suisse. Since 2007, Keith has worked directly with high net worth families and is a CERITIFIED FINANCIAL PLANNER. He works directly with his clients to help preserve and grow their assets and manage cash flow, and seeks to ensure estate plans create the desired impact for his clients' families.
Before joining Credit Suisse, Keith spent 11 years at SEI Investments, where he was an executive in their Private Client Group. Keith graduated first in his class from Lycoming College (summa cum laude), where he was a three-time captain of the football team, an All-American quarterback and a Rhodes scholar nominee. When not spending time with his family, Keith dedicates his time and talents to causes concerned with youth sports and animal welfare. Keith lives in Collegeville with his wife, Jennifer, and their two sons.
Prior to joining Morgan Stanley, Keith spent seven years in the Private Bank at Credit Suisse. Since 2007, Keith has worked directly with high net worth families and is a CERITIFIED FINANCIAL PLANNER. He works directly with his clients to help preserve and grow their assets and manage cash flow, and seeks to ensure estate plans create the desired impact for his clients' families.
Before joining Credit Suisse, Keith spent 11 years at SEI Investments, where he was an executive in their Private Client Group. Keith graduated first in his class from Lycoming College (summa cum laude), where he was a three-time captain of the football team, an All-American quarterback and a Rhodes scholar nominee. When not spending time with his family, Keith dedicates his time and talents to causes concerned with youth sports and animal welfare. Keith lives in Collegeville with his wife, Jennifer, and their two sons.
Securities Agent: TX, MN, MA, GA, NV, KS, IN, WI, SC, NJ, MI, MD, LA, DE, DC, CT, OH, WA, NC, IA, CA, AZ, VA, RI, PA, MO, FL, VT, UT, ME, CO, OR, IL, NY, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1456528
NMLS#: 1456528
About John B Rosenberg
John is a Senior Vice President and Senior Portfolio Management Director, having worked at Smith Barney, now Morgan Stanley, since 2000.
Prior to this he enjoyed a successful career in Clinical Psychology both at St. Christopher’s Hospital for Children and CHOP where he was Director of Psychology Training. He also taught at Villanova and Temple Universities. He received a B.A. degree in Psychology from Muhlenberg College and an M.A. degree in Psychology and a doctorate in Child Development, both from Temple University. John’s career in psychology and family therapy has given him an awareness of significant family issues related to financial matters. His ability to listen and respond to individual as well as family concerns is an asset in his working with clients.
John served two terms as Board Chair for the Philadelphia Society of Services to Children and was a Board member of the Family Institute of Philadelphia. Earlier he was part owner of the Phila Spartans Soccer Club and a Vice President in the American Soccer League. Currently he serves as Emeritus Trustee at Muhlenberg College, where he served on the Board for 12 years. John is married to Stephanie and has two children and five grandchildren. In addition to satisfaction from helping his clients grow and preserve their assets, he is passionate about opera, Temple University athletics and summers in Maine.
Prior to this he enjoyed a successful career in Clinical Psychology both at St. Christopher’s Hospital for Children and CHOP where he was Director of Psychology Training. He also taught at Villanova and Temple Universities. He received a B.A. degree in Psychology from Muhlenberg College and an M.A. degree in Psychology and a doctorate in Child Development, both from Temple University. John’s career in psychology and family therapy has given him an awareness of significant family issues related to financial matters. His ability to listen and respond to individual as well as family concerns is an asset in his working with clients.
John served two terms as Board Chair for the Philadelphia Society of Services to Children and was a Board member of the Family Institute of Philadelphia. Earlier he was part owner of the Phila Spartans Soccer Club and a Vice President in the American Soccer League. Currently he serves as Emeritus Trustee at Muhlenberg College, where he served on the Board for 12 years. John is married to Stephanie and has two children and five grandchildren. In addition to satisfaction from helping his clients grow and preserve their assets, he is passionate about opera, Temple University athletics and summers in Maine.
Securities Agent: AZ, NJ, VT, IL, IA, NC, GA, DE, NM, UT, RI, PA, NY, ME, CA, OR, WV, WA, VA, OH, MN, MA, WI, NV, MO, KS, TX, SC, MI, DC, CO, FL, LA, IN, MD, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1406556
NMLS#: 1406556
About Hugh ODonnell
Hugh works with high and ultra high-net-worth clients to manage all aspects of their wealth. Together, the team builds a comprehensive financial plan to help ensure the client’s wealth is aligned to support their goals.
Prior to joining Morgan Stanley, Hugh spent seven years in the Private Bank at Credit Suisse. Hugh has spent more than 25 years working in financial services and wealth management in a variety of roles. During the course of his career, Hugh has served in comprehensive planning and client relationship roles, working directly with institutions, high net worth clients, family offices and registered investment advisers. Hugh worked as an Estate Planning Strategist and Relationship Manager at SEI Investments in the Wealth Management Group, designing tailored investment and estate planning strategies to help clients achieve their goals and create their desired legacies.
Hugh completed his undergraduate studies in Finance at Bloomsburg University, received his Master’s Degree in Finance from Villanova University and is a CERTIFIED FINANCIAL PLANNER™ practitioner. Hugh lives in Collegeville with his wife Kerri and their son and daughter. He enjoys spending time with his family and volunteering with organizations focused on special needs children and their families.
Prior to joining Morgan Stanley, Hugh spent seven years in the Private Bank at Credit Suisse. Hugh has spent more than 25 years working in financial services and wealth management in a variety of roles. During the course of his career, Hugh has served in comprehensive planning and client relationship roles, working directly with institutions, high net worth clients, family offices and registered investment advisers. Hugh worked as an Estate Planning Strategist and Relationship Manager at SEI Investments in the Wealth Management Group, designing tailored investment and estate planning strategies to help clients achieve their goals and create their desired legacies.
Hugh completed his undergraduate studies in Finance at Bloomsburg University, received his Master’s Degree in Finance from Villanova University and is a CERTIFIED FINANCIAL PLANNER™ practitioner. Hugh lives in Collegeville with his wife Kerri and their son and daughter. He enjoys spending time with his family and volunteering with organizations focused on special needs children and their families.
Securities Agent: NC, CO, UT, OH, NY, NV, MA, IN, CT, WI, VT, AZ, ME, CA, WV, VA, LA, KS, OR, MN, GA, FL, RI, PA, DE, DC, TX, MO, MI, IA, WA, SC, NJ, MD, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2587373
NMLS#: 2587373
About Me
David Ambartsumian, CFP® is a dedicated financial advisor with the Spring Mill Wealth Management Group at Morgan Stanley. With a Bachelor of Science degree in Psychology from Drexel University, David began his investing career in 2016, and has since been focused on managing client relationships, financial planning, investment management, and plan implementation.
David's background in psychology has given him a distinctive prospective on financial planning and investment management. He understands that financial decisions are often influenced by emotions and behavior, which is why he incorporates principals of behavioral finance into his approach.
As a CERTIFIED FINANCIAL PLANNER™, David is committed to helping his clients achieve their financial goals and objectives. Whether you're just starting to plan for your future, or you're a seasoned investor, David can help navigate the ever-changing landscape of financial planning. Contact him today to learn more about his services.
Before joining Morgan Stanley in 2022, David worked as a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch for nearly 4 years.
Aside from his work, David is an avid Formula One fan, enjoying watching the races on Sundays with his wife Rebekah, and their two children, Alex and Sofia. When he's not working or watching the race, David enjoys exploring his passions for wine, travel, and food.
David's background in psychology has given him a distinctive prospective on financial planning and investment management. He understands that financial decisions are often influenced by emotions and behavior, which is why he incorporates principals of behavioral finance into his approach.
As a CERTIFIED FINANCIAL PLANNER™, David is committed to helping his clients achieve their financial goals and objectives. Whether you're just starting to plan for your future, or you're a seasoned investor, David can help navigate the ever-changing landscape of financial planning. Contact him today to learn more about his services.
Before joining Morgan Stanley in 2022, David worked as a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch for nearly 4 years.
Aside from his work, David is an avid Formula One fan, enjoying watching the races on Sundays with his wife Rebekah, and their two children, Alex and Sofia. When he's not working or watching the race, David enjoys exploring his passions for wine, travel, and food.
Securities Agent: NY, WV, WI, UT, PA, WA, NJ, LA, KS, IA, CA, MO, MN, MD, CO, OR, VT, AZ, TX, TN, MI, IN, OH, NV, ME, SC, IL, GA, DE, DC, CT, RI, NC, MA, FL, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1823066
NMLS#: 1823066
About Dean Gorfti
Dean Gorfti joined Morgan Stanley in 2021 and is responsible for communicating with clients daily, coordinating and executing client service requests, and providing investment and financial planning analysis.
Prior to joining Morgan Stanley, Dean spent 10 years at Vanguard in a variety of roles, from Brokerage Services Representative to Flagship Assigned Representative in which he worked with over 200 high net-worth families develop plans to reach their financial goals.
Dean is a graduate of The University of Phoenix with a bachelor’s degree in Business Management. While in college, Dean worked in banking at The Bryn Mawr Trust Company which helped solidify his interest in pursuing a career in finance.
Outside of work, Dean makes his home in West Chester, PA with his wife and two sons. He enjoys his free time playing drums in several local bands, hiking, and golfing.
Prior to joining Morgan Stanley, Dean spent 10 years at Vanguard in a variety of roles, from Brokerage Services Representative to Flagship Assigned Representative in which he worked with over 200 high net-worth families develop plans to reach their financial goals.
Dean is a graduate of The University of Phoenix with a bachelor’s degree in Business Management. While in college, Dean worked in banking at The Bryn Mawr Trust Company which helped solidify his interest in pursuing a career in finance.
Outside of work, Dean makes his home in West Chester, PA with his wife and two sons. He enjoys his free time playing drums in several local bands, hiking, and golfing.
About Nicholas Cissone
Nicholas Cissone joined Morgan Stanley in 2024 as a Registered Client Service Associate. He is responsible for coordinating and executing client service requests, communicating with clients daily, and supporting The Spring Mill Wealth Management Group as a Client Service Associate.
Prior to joining Morgan Stanley, Nick spent nearly 3 years at Bank of America/Merrill Lynch in a variety of roles. After graduating from the Fox School of Business at Temple University with a degree in Marketing, Nick began his career working as a Relationship Manager for banking clients within Bank of America. After a year of managing these relationships, Nick transitioned to serving as a Financial Advisor for banking clients on behalf of Merrill Lynch. After providing advice and guidance for those clients on both their investment and banking needs, he started a new role working as a Merrill Lynch Wealth Management Advisor in Philadelphia focusing on high-net-worth clients.
Outside of work, Nick is a passionate sports fan and enjoys watching all Philadelphia teams as well as his favorite soccer team, Chelsea FC. Nick also has a passion for history and frequently visits all the museums Philadelphia has to offer.
Prior to joining Morgan Stanley, Nick spent nearly 3 years at Bank of America/Merrill Lynch in a variety of roles. After graduating from the Fox School of Business at Temple University with a degree in Marketing, Nick began his career working as a Relationship Manager for banking clients within Bank of America. After a year of managing these relationships, Nick transitioned to serving as a Financial Advisor for banking clients on behalf of Merrill Lynch. After providing advice and guidance for those clients on both their investment and banking needs, he started a new role working as a Merrill Lynch Wealth Management Advisor in Philadelphia focusing on high-net-worth clients.
Outside of work, Nick is a passionate sports fan and enjoys watching all Philadelphia teams as well as his favorite soccer team, Chelsea FC. Nick also has a passion for history and frequently visits all the museums Philadelphia has to offer.
Contact Dustin Seidman
Contact Keith Cadden
Contact John B Rosenberg
Contact Hugh ODonnell
Contact David Ambartsumian
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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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
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529 Plans: A Powerful Tool to Save for Education
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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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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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 Spring Mill Wealth Management Group 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.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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. 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.
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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
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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. 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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. 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Alternative 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.
4Morgan 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
5Morgan 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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. 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Morgan 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.
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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)
