Adam Guralnick
Private Banker
Corethia V. E. Oates, CEPA
Vice President,
Financial Advisor,
Senior Portfolio Manager
Direct:
(201) 226-5920(201) 226-5920
Toll-Free:
(866) 738-1629(866) 738-1629
My Mission Statement
"First Class Business in a First Class Way…One Client at a Time"
I believe clients have a right to…
Accuracy
Caring
Advocacy
Transparency
When receiving personal financial advice to…
“Know where they are
Where they want to go
How to get there.”
Corethia V. E. Oates, Vice President, Senior Portfolio Manager, Financial Advisor
I believe clients have a right to…
Accuracy
Caring
Advocacy
Transparency
When receiving personal financial advice to…
“Know where they are
Where they want to go
How to get there.”
Corethia V. E. Oates, Vice President, Senior Portfolio Manager, Financial Advisor
About Us
An experienced financial professional since 1995, Corethia acquired her securities licenses in 1998, and began her career at Morgan Stanley in 2000. She believes that only God would strategically place her in an industry that would not typically be representative of her. To Corethia, “It’s not just business, it’s personal.” She takes a personalized approach to help her clients realize their personal financial goals and dreams.
Corethia earned her Portfolio Manager Designation in 2016, which allows her to use discretion when managing client assets. Corethia graduated with honors from Union County College and holds Life & Health Insurance licenses, as well as the Certified Exit Planning Advisor/CEPA® designation. As a designated Certified Kingdom Advisor/CKA®, Corethia
provides biblically based financial advice and presentations for her clients and organizations, respectively.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview
She currently serves on the Board of CIANJ, which is a corporate business organization in New Jersey. She was the first woman and person of color to Chair the Bergen County Workforce Investment Board, past honoree of the Bergen County Girl Scouts Woman of Distinction and Tribute to Women & Industry (TWIN) of Bergen County YWCA. Corethia is a former Board Member and founding Program Chair for the Women’s Institute of Bergen Community College’s Mentor Program, an instructor for their Institute for Learning in Retirement, and Hackensack Regional Chamber of Commerce, and Trustee Board member of Project Literacy of Greater Bergen County, Inc.
As a Vestry Board member and Youth Group Advisor, Corethia helped establish a homeless soup kitchen and computer classroom after school program at Grace Episcopal Church, Plainfield, NJ. Corethia serves on Community Baptist Church of Englewood, NJ in choir ministry and has performed at “A Night of Inspiration” at Carnegie Hall and is hopeful to
perfume in the upcoming December 2024 concert. A competitor with a commitment to excellence, Corethia placed in the Track and Field trials for the 1980 Olympics.
Kevin came to Morgan Stanley in 2019 as a Virtual Engagement Associate, where he worked with Corethia and other teams around the firm to assist with providing strategic support in all aspects of digital marketing and client engagement, via social media, website and email campaigns. He has pursued and achieved various support roles and now provides team support for our clients. Kevin is Corethia’s service team leader assisting clients with all aspects of their service and operational needs.
George is our most recent service team member who came to Morgan Stanley 2025. He is also available to provide our clients with their service and operational needs.
Corethia earned her Portfolio Manager Designation in 2016, which allows her to use discretion when managing client assets. Corethia graduated with honors from Union County College and holds Life & Health Insurance licenses, as well as the Certified Exit Planning Advisor/CEPA® designation. As a designated Certified Kingdom Advisor/CKA®, Corethia
provides biblically based financial advice and presentations for her clients and organizations, respectively.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see: https://kingdomadvisors.com/association/designation/overview
She currently serves on the Board of CIANJ, which is a corporate business organization in New Jersey. She was the first woman and person of color to Chair the Bergen County Workforce Investment Board, past honoree of the Bergen County Girl Scouts Woman of Distinction and Tribute to Women & Industry (TWIN) of Bergen County YWCA. Corethia is a former Board Member and founding Program Chair for the Women’s Institute of Bergen Community College’s Mentor Program, an instructor for their Institute for Learning in Retirement, and Hackensack Regional Chamber of Commerce, and Trustee Board member of Project Literacy of Greater Bergen County, Inc.
As a Vestry Board member and Youth Group Advisor, Corethia helped establish a homeless soup kitchen and computer classroom after school program at Grace Episcopal Church, Plainfield, NJ. Corethia serves on Community Baptist Church of Englewood, NJ in choir ministry and has performed at “A Night of Inspiration” at Carnegie Hall and is hopeful to
perfume in the upcoming December 2024 concert. A competitor with a commitment to excellence, Corethia placed in the Track and Field trials for the 1980 Olympics.
Kevin came to Morgan Stanley in 2019 as a Virtual Engagement Associate, where he worked with Corethia and other teams around the firm to assist with providing strategic support in all aspects of digital marketing and client engagement, via social media, website and email campaigns. He has pursued and achieved various support roles and now provides team support for our clients. Kevin is Corethia’s service team leader assisting clients with all aspects of their service and operational needs.
George is our most recent service team member who came to Morgan Stanley 2025. He is also available to provide our clients with their service and operational needs.
Securities Agent: IL, IN, KY, LA, MA, MD, ME, MI, MN, NC, NH, NJ, NV, NY, OH, OR, PA, RI, WI, WA, VT, VA, TX, TN, SC, AZ, CA, CO, CT, DC, DE, FL, GA, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255416
CA Insurance License #: OD07584
NMLS#: 1255416
CA Insurance License #: OD07584
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process
Discovery
In the beginning, the First Step of the Oates Investment Process begins with this comprehensive investor Questionnaire.
Questionnaire
Wealth Strategies
I've designed a process using a discretionary fiduciary investment practice known as the “Best Interest Standard,” which involves putting clients’ needs first. Assisting you and your loved ones with organizing, understanding, and addressing your personal and financial goals and needs.
Learn More
Implementation
Our process helps us to understand where you are, where you want to go, and how to help you get there. Please see the attached document that will help you take full advantage of our services and resources, as they apply to your goals and needs.
Learn More
Ongoing
I'm honored to work with you to help you achieve your personal financial goals and to ensure that we are helping you stay current.
Service ModelHER Way at Morgan Stanley
HER Way is a dynamic community of financially educated and empowered women, created by experienced women financial advisors at Morgan Stanley. When it comes to money, these advisors are committed to help even more women MAKE IT, SAVE IT and ENJOY IT. Women deserve to feel confident in their financial decision making, and through this affiliation, they are inspired and encouraged to embrace their own distinct perspectives to pursue their interests and passions.
On January 15th at 5:30 pm we held an event featuring guest speakers from Morgan Stanley Wealth Management. They will be sharing their valuable insights on:
• Economic shifts to watch - HER Way
• Emerging market opportunities - HER Way
• Strategic considerations for navigating the year ahead - HER Way
HER Way Event: 2025 Market and Economic Outlook Event• Economic shifts to watch - HER Way
• Emerging market opportunities - HER Way
• Strategic considerations for navigating the year ahead - HER Way
On May 8th 2024, we held an exclusive in person event diving into Women in Media – Elevating Women’s Views and Voices.
Women’s impactful presence in media elevates
women’s views, voices, and consumers
preferences. Discover how these industry
influencers are reshaping societal perceptions and
inspiring women in their personal and financial
decision-making, leveraging their experiences and
platforms in film, radio, and TV.
Click the link below to learn more about the past event.
HER Way Event 2024: Women in Media – Elevating Women’s Views and VoicesWomen’s impactful presence in media elevates
women’s views, voices, and consumers
preferences. Discover how these industry
influencers are reshaping societal perceptions and
inspiring women in their personal and financial
decision-making, leveraging their experiences and
platforms in film, radio, and TV.
Click the link below to learn more about the past event.
I'm committed to providing both prospects & clients the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
Planning for Your Financial Future
Your financial goals and priorities will likely shift with time. To help prepare for the road ahead, ask yourself what matters to you and your family long term. Here’s how you can get started:
Learn More
Digital Tools
Morgan Stanley has a suite of digital tools such as Morgan Stanley Online and Total Wealth View. Managing multiple financial accounts across different firms can be complicated. With these tools your Advisor will have a comprehensive understanding of your unique situations, enhancing the ability to develop truly personalized financial strategies to help protect and grow your wealth.
Learn More
Newsletters
Each month I provide timely wealth management articles that provides insight into the economic and market environment. Below is the previous edition of my newsletters.
Learn More
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of OfferingsLocation
Mack Center Iv, S 61 Paramus Rd.
Paramus, NJ 07652
US
Direct:
(201) 226-5920(201) 226-5920
Toll-Free:
(866) 738-1629(866) 738-1629
Fax:
(201) 712-4006(201) 712-4006
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
Oscar Rothschild
Planning Associate
Mary Beth Powers
Trust Specialist
Rick Marx, CFP®
Financial Planning Director, Vice President
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
About Stephen Murray
Stephen Murray is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Stephen began his career in financial services in 2012 when he joined Morgan Stanley as a Senior Analyst in the Private Banking Group’s Securities Based Lending (SBL) Operations organization. Before being promoted to Private Banker, Stephen was an Associate Private Banker.
Stephen earned his Bachelor of Science in Public Health from Rutgers -- the State University of New Jersey. He and his family live in Howell, New Jersey.
Outside of the office, Stephen is a singer/songwriter and performs whenever possible. He also enjoys spending time with family and friends.
Stephen began his career in financial services in 2012 when he joined Morgan Stanley as a Senior Analyst in the Private Banking Group’s Securities Based Lending (SBL) Operations organization. Before being promoted to Private Banker, Stephen was an Associate Private Banker.
Stephen earned his Bachelor of Science in Public Health from Rutgers -- the State University of New Jersey. He and his family live in Howell, New Jersey.
Outside of the office, Stephen is a singer/songwriter and performs whenever possible. He also enjoys spending time with family and friends.
NMLS#: 1498655
About Oscar Rothschild
Oscar Rothschild is a Planning Associate at Morgan Stanley providing dedicated
financial planning support to Financial Advisors and their teams. Operating as an
extension of the FA/Team, he collaborates with clients to discover and define the
goals that matter most to them. Leveraging state of the art technology, he will evaluate
various options and their potential outcomes to help clients confidently choose the
appropriate course of action. Oscar provides expertise across a wide suite of Morgan
Stanley planning tools designed to assist in the areas of investment accumulation,
retirement, education, major purchase, cash flow, risk management, tax efficiency,
and wealth transfer planning.
He earned his undergraduate degree from The University of Pittsburgh and received
the Financial Planning Specialist® designation from the College for Financial
Planning. Oscar is originally from Rye Brook, NY and currently resides in Stamford,
CT.
financial planning support to Financial Advisors and their teams. Operating as an
extension of the FA/Team, he collaborates with clients to discover and define the
goals that matter most to them. Leveraging state of the art technology, he will evaluate
various options and their potential outcomes to help clients confidently choose the
appropriate course of action. Oscar provides expertise across a wide suite of Morgan
Stanley planning tools designed to assist in the areas of investment accumulation,
retirement, education, major purchase, cash flow, risk management, tax efficiency,
and wealth transfer planning.
He earned his undergraduate degree from The University of Pittsburgh and received
the Financial Planning Specialist® designation from the College for Financial
Planning. Oscar is originally from Rye Brook, NY and currently resides in Stamford,
CT.
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
About Rick Marx
Rick Marx is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Northern New Jersey. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
Rick began his career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to his current position, he was a Financial Advisor at JP Morgan Chase in New York City as well as a Financial Consulting Director for TIAA also in New York City.
Rick graduated from Hunter College and holds both the Certified Financial Planner™
and the Chartered Financial Consultant® designations. He lives in New Jersey with his wife Gloria and son Dean. Outside of work, Rick enjoys playing guitar, reading, cooking and spending time with his family
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
Ready to start a conversation? Contact Corethia V. E. Oates today.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 and other legal matters.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 and other legal matters.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
