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
We Appreciate You
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 The 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.
A Montclair State University MBA Candidate, Nicholas is a Captain and All-Conference Linebacker for the Red Hawks Football team. Continuously expanding his career, Nicholas came to Morgan Stanley as an intern in 2022, and now supports Corethia Oates as Team Administrator, supporting all aspects of client business development, support, interactions and infrastructure to help ensure we more effectively serve our clients and future clients to help achieve their personal financial goals and dreams.
As a team player focused on addressing our business objectives with excellence. Nicholas is currently pursuing his securities licenses and designations.
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 The 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.
A Montclair State University MBA Candidate, Nicholas is a Captain and All-Conference Linebacker for the Red Hawks Football team. Continuously expanding his career, Nicholas came to Morgan Stanley as an intern in 2022, and now supports Corethia Oates as Team Administrator, supporting all aspects of client business development, support, interactions and infrastructure to help ensure we more effectively serve our clients and future clients to help achieve their personal financial goals and dreams.
As a team player focused on addressing our business objectives with excellence. Nicholas is currently pursuing his securities licenses and designations.
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 Event: 2025 Market and Economic Outlook Event
Join us on January 15th at 5:30 pm for an exclusive preview into 2025 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
Our guest speakers include:
Lisa Shalett, Managing Director, Chief Investment Officer and Head of Global Investment Office
Ellen Zentner, Managing Director, Chief Economic Strategist and
Global Head of Thematic and Macro Investing
HER Way’s Mission is to create a dynamic community of
Financially Educated and Empowered Women
• Economic shifts to watch - HER Way
• Emerging market opportunities - HER Way
• Strategic considerations for navigating the year ahead - HER Way
Our guest speakers include:
Lisa Shalett, Managing Director, Chief Investment Officer and Head of Global Investment Office
Ellen Zentner, Managing Director, Chief Economic Strategist and
Global Head of Thematic and Macro Investing
HER Way’s Mission is to create a dynamic community of
Financially Educated and Empowered Women
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:
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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.
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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.
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Previous Events
Check out the past events I've attended this year. I'm looking forward to new ones to come.
Learn MoreLocation
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
Knetia Herrera
Associate Private Banker
Lucas Cervelli
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 Knetia Herrera
Knetia Herrera is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Associate Private Bankers partner with Private Bankers and 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.
Knetia began her career in financial services in 2016, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Licensed Private Client Banker, a Licensed Relationship Banker, and a Personal Banker at JP Morgan.
Knetia is a graduate of the University of West Indies, where she received a Bachelor of Science in Banking and Finance, and Southern New Hampshire University, where she received her Master of Science in Applied Economics. She lives in Bloomingdale, New Jersey with her family. Outside of the office, Knetia enjoys experimenting in the kitchen, partaking in adrenaline filled activities, and spending time with family and friends.
Associate Private Bankers partner with Private Bankers and 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.
Knetia began her career in financial services in 2016, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Licensed Private Client Banker, a Licensed Relationship Banker, and a Personal Banker at JP Morgan.
Knetia is a graduate of the University of West Indies, where she received a Bachelor of Science in Banking and Finance, and Southern New Hampshire University, where she received her Master of Science in Applied Economics. She lives in Bloomingdale, New Jersey with her family. Outside of the office, Knetia enjoys experimenting in the kitchen, partaking in adrenaline filled activities, and spending time with family and friends.
NMLS#: 1615990
About Lucas Cervelli
Lucas Cervelli 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 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. Lucas 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 College of New Jersey and received the Financial Planning Specialist® designation from the College for Financial Planning. Lucas is originally from Hunterdon County, New Jersey and currently resides in Lebanon Township, New Jersey.
He earned his undergraduate degree from The College of New Jersey and received the Financial Planning Specialist® designation from the College for Financial Planning. Lucas is originally from Hunterdon County, New Jersey and currently resides in Lebanon Township, New Jersey.
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
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Corethia V. E. Oates today.
1Morgan 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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5Morgan 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.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5Morgan 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.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
