My Story and Services

I believe success in achieving important financial goals starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
Services Include
  • 401(k) Rollovers
  • 529 Plans1
  • Access to Lending Services
  • Alternative Investments2
  • Annuities3
  • Asset Management4
  • Cash Management5
  • Corporate Pension Funds
  • Endowments and Foundations6
  • Estate Planning Strategies7
  • Exchange Traded Funds8
  • Financial Planning9
  • Fixed Income10
  • Life Insurance11
  • Municipal Bonds12
  • Private Banking
  • Qualified Plans
  • Retirement Planning13
  • Wealth Management14
Securities Agent: AK, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, LA, MA, MD, ME, MI, MN, MT, NC, NJ, NV, NY, PA, RI, SC, TN, TX, VA, WA, WY; General Securities Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1270033
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*
Education and Licensing
  • BA- Accounting/Economics 1975 Queens College City University of New York
  • Certified Financial Planner (CFP), 1993The College for Financial PlanningDenver, CO
  • Certified Investment Management Analyst (CIMA) Wharton School of Business University of Pennsylvania
  • Certified Public Accountant, 1977 New York, NY
  • Morgan Stanley* Family Wealth Director - 2009
  • Securities, Commodities, Insurance Licenses, 1987
  • Senior Advisor, Citigroup Family Office, 2004
  • Senior Investment Management Consultant, 2011
  • Series 65 - Investment Advisory Agent, 1993
Associations
  • Association of Professional Investment Consultants (APIC)Member
  • Investment Management Consultants Association (IMCA) Member
  • Strathmore Vanderbilt Country Club Past President - Board of Governors Manhasset, NY
  • Tuesday's Children Mentor
Honors and Recognition
  • John Vessa, Financial Advisor- Barrons Top 1000 Advisors, February, 2009
  • President's Council 2012 - Morgan Stanley*
  • Research Magazine  Winners Circle Top Teams (The Harbor Group) , September, 2008
  • Research Magazine  Winners Circle Top Teams (The Harbor Group) - , September, 2006
  • Research Magazine  Winners Circle Top Teams (The Harbor Group) September, 2007
  • Top Advisors- State-by-State- The Winners Circle, Research Magazine, January, 2006

Location

522 5th Avenue
11th Floor
New York, NY 10036
US
Direct:
(212) 603-6293(212) 603-6293
Toll Free:
(800) 843-0211(800) 843-0211
Fax:
(347) 767-2522(347) 767-2522

Meet My Team

About Me

Iraida has been with the firm since 1998. As Group Director, she oversees all administrative items, monitors all accounts and has constant communication with clients. She graduated from Hunter College with a BA in Sociology. She currently lives in the Bronx with her husband and daughter.

She holds series 7, 63, 66, 3, 9 & 10 licenses as well as being NYS insurance licensed.

About Me

Corey joined the Harbor Group in 2007 as a resource to our clients to facilitate execution in securities, maintain client relationships, and assist in administrative requests. Corey currently prepares life plans for clients, creating a roadmap for their future so that our team can better assist them in meeting their financial goals. He holds a Bachelor’s degree in Business Administration with a focus in Finance from the University of Delaware while also holding a series 7, 3, 63, 65 and insurance license.

In the years that Corey has grown with the group, he has also grown his family and is now happily raising two boys with his wife in Riverdale.

About Me

In her current role as an Analyst for the Harbor Group, Diana focuses on portfolio and investment manager analysis. This involves conducting research and due diligence across equities, fixed income, mutual funds, separately managed accounts, structured products and alternative investments as well as assisting the team with client proposals and asset allocation models.

Prior to joining the team, Diana was an Investment Analyst within Credit Suisse’s Private Banking & Wealth Management division, where she helped her Financial Advisors manage both their Equity and Master Limited Partnerships portfolios. She also held prior roles within Mergers & Acquisitions and Structured Products.

Diana was a nationally ranked tennis player who trained and competed both domestically and internationally. She lives in New York City and continues to be an avid tennis player.

She graduated from Boston University’s School of Management, where she majored in Finance and holds the Series 7 and 66 licenses.

About Me

Karina Malinova is a Client Service Associate with the Harbor Group at Morgan Stanley. Prior to joining the group, Karina worked as a Private Banker at JPMorgan Chase and Citibank. With over 9 years of experience in the financial services industry, Karina delivers top notch customer service and excellent attention to detail. As a banker, Karina formed personal relationships with clients to help them identify their unique goals for themselves and their loved ones.

As a Senior Client Service Associate, Karina’s primary focus is on providing first-class service and operational support to the group’s clients. She provides fundamental client support in all phases of operational service and account maintenance, including daily processing support for transaction business requests and disbursements. Her exceptional time management and organizational skills help ensure quality service for the team’s clients.

Karina grew up in Russia and moved to New York when she was 15 years old. During her free time she enjoys working out and spending time with family. As an avid runner, Karina frequently participates in various half-marathon and plans to run NYC 2017 full marathon.

About Me

As a Registered Client Service Associate for the Harbor Group, Rich assists clients with trade execution, cash management, account maintenance, and day to day inquires. Prior to joining the team in 2018, Rich worked at Cantor Fitzgerald/BGC Partners for 3.5 years. He holds a Bachelor's degree in Business Administration with a concentration in Finance from Towson University.

Rich currently lives on Long Island and in his free time enjoys playing golf, exercising, and sports.

He holds the Series 7, 63, and 65 licenses.

Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

Family

Creating customized financial strategies for the challenges that today's families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Financial Transition: A Guide for Women

Financial Transition: A Guide for Women

Here's how to take control of your finances if a death or divorce leaves you holding the reins.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
A New Roadmap for Mission Alignment

A New Roadmap for Mission Alignment

Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

More from Morgan Stanley

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With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
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Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
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Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
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Ready to start a conversation? Contact John L Vessa today.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

2Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

4Morgan 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.

5Morgan 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

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, charitable giving, philanthropic planning and other legal matters.

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.

8An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

9Morgan 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.

10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

12Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

13Morgan 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.

14Morgan 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.

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 suitable 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”) 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.


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