About Us

Our goal is to thoroughly understand your financial needs and then align the resources to help you meet or exceed them. We can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist you in developing and executing a strategy that is precisely your own and helps you meet your needs.
Services Include
  • Endowments and Foundations1
  • Estate Planning Strategies2
  • Financial Planning3
  • Lending Products
  • Life Insurance4
  • Long Term Care Insurance5
  • Philanthropic Services
  • Professional Portfolio Management6
  • Retirement Planning7
  • Sustainable Investing8
  • Taft-Hartley Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Jose Zavaleta

Jose Zavaleta




BS - Finance, 1992
Hawaii Pacific University

1991 - 1999: US Army Veteran
Tactical Satellite Communications Specialist

Insurance Licensed
Series 7, 63 & 65 Licensed

1996 - 1997: Dean Witter
Sales Assistant

1994 - 1996: Valva Realty
Property Manager

1987 - 1991: State of California
State Compensation Insurance Fund Dept Claims Specialist
Bofa - Ops Associate

CA Insurance Lic. #0E11478

NMLS # 1278680

    Working With You

    "Our goal is to help you think through what you have not thought of yourself, stay focused on what really matters, and gain the perspective needed to make your life plan a reality." Gena Harper and Carla Koren

    Location

    1999 Harrison St
    Suite 2200
    Oakland, CA 94612
    US
    Direct:
    (510) 839-8080(510) 839-8080
    Toll-Free:
    (800) 755-1579(800) 755-1579

    Meet The Harper Koren Group

    Photo of Gena Harper

    Gena Harper

    Senior Vice President, Financial Advisor, Senior Investment Management Consultant

    Phone:
    (510) 891-5241(510) 891-5241

    About Me

    Ms. Harper, who has been a Financial Consultant for over 31 years, obtained her Certified Investment Management Analyst designation through the Wharton School of Business and is an active member of the Association of Professional Investment Consultants (APIC).

    Born with congenital Glaucoma, Ms. Harper is one of the few blind professionals in the investment industry in the United States. Undaunted by her blindness, Gena made the US National Paracycling Team in 2012 and won a bronze medal in the National Handicapped Ski Championships. In addition, she windsurfs and enjoys whitewater rafting, rock climbing, skateboarding, and even cliff diving.

    Her commitment to moving beyond limits and pursuing excellence extends into her community through her volunteer work and speaking including:
    Current Board Member, Lighthouse for the Blind; Past President
    Downtown Berkeley YMCA
    Volunteer, Girls Inc. of Alameda County
    Past Board Member, Guide Dogs for the Blind
    Past Board Member, The Glaucoma Foundation
    Member, The Governor's Committee for the Employment of Disabled Persons
    Keynote Speaker, Guide Dogs for the Blind annual luncheon
    Keynote Speaker, Women of Vision Event


    In her professional capacity, Ms. Harper has been a presenter for the Smith Barney Training on Business Practice Management and the IMCA (Investment Management Consultants Association), among others.

    In 1995 Ms. Harper became the first recipient of The Glaucoma Foundation Award of Merit, which recognized an individual whose life has been profoundly affected by glaucoma and who has responded to the challenge with courage and distinction. As part of its partnership with MAKERS, Morgan Stanley Wealth Management recognized Gena as one of the 15 outstanding women professionals in March, 2015. In addition she has received the Women of Vision Award, the American Foundation for the Blind Kay Gallagher Award, and The Glaucoma Foundation Award.
    Securities Agent: TX, CA, WA, VA, PA, OR, OH, NY, NV, NM, NJ, NC, MN, MI, MD, MA, IL, ID, IA, HI, GA, FL, DE, DC, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
    NMLS#: 1279395

    About Me

    Ms. Koren, who has been a Financial Consultant for over 31 years, is a Phi Beta Kappa graduate of UCLA (magna cum laude) and received her MBA from the Haas School of Business at UC Berkeley. She obtained her Certified Investment Analyst designation through the Wharton School of Business, is a member of the Association of Professional Investment Consultants (APIC) and the International Foundation of Employee Benefit Plans, and has earned the designation of Corporate Retirement Plan Director- one of 135 such designees across the US for Morgan Stanley.

    In addition, Ms. Koren is dedicated to community stewardship. Her volunteer work and speaking include:

    Current Board Treasurer and Member of Executive Committee, Girls Inc. of Alameda County
    Current Board Chair, The Super Stars Literacy Program
    Past Board President, Junior League of Oakland East Bay, Inc.
    Representative for the United Way Speakers Bureau

    In her professional capacity, Ms. Koren has been a presenter for the Smith Barney Training on Business Practice Management, IMCA (Investment Management Consultants Association), the Women Presidents' Organization, and the International Foundation of Employee Benefit Plans, among others.

    In 2014, Ms. Koren received the Jefferson Award, which is sometimes referred to as the "Nobel Prize for public service" because it is the nation's highest honor for public service. Ms. Koren has received numerous other forms of recognition for her community stewardship including "Wealth Advisor with Heart" Award (2014) from WealthManagement.com, the Nonprofit Board Leader Award from The Volunteer Center in San Francisco in 2010, named a Thread of Hope (2010), Junior League Sustainer of the Year (2013), and Point of Light and University of Phoenix Volunteer Leader Award Honoree (2010).
    Securities Agent: CA, WA, VA, TX, PA, OR, OH, NY, NV, NM, NJ, NC, MN, MI, MD, MA, IL, ID, IA, HI, GA, FL, DE, DC, CO, AZ; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
    NMLS#: 1279304

    About Me

    Professional Details


    BS - Finance, 1992
    Hawaii Pacific University


    1991 - 1999: US Army Veteran
    Tactical Satellite Communications Specialist


    Insurance Licensed
    Series 7, 63 & 65 Licensed


    1996 - 1997: Dean Witter
    Sales Assistant


    1994 - 1996: Valva Realty
    Property Manager


    1987 - 1991: State of California
    State Compensation Insurance Fund Dept Claims Specialist
    Bofa - Ops Associate



    CA Insurance Lic. #0E11478
    NMLS # 1278680
    Securities Agent: CA, WA, VA, TX, PA, OR, OH, NY, NV, NM, NJ, NC, MN, MI, MD, MA, IL, ID, IA, HI, GA, FL, DE, DC, CO, AZ; General Securities Representative; Investment Advisor Representative
    NMLS#: 1278680

    About Me

    Joel joined the Harper Koren group in the Summer of 2011 and primarily handles any analytical needs that arise for the team. This includes reports on client portfolios, research of securities and data management. He has a Bachelor's degree in Economics from the University of California Irvine and an M.B.A. from San Diego State University as well as his Series 7 and 66 licenses. Joel enjoys exploring dense urban environments and wide open natural spaces equally and is always interested in good, simple food.


    Bachelor of Arts - Economics, 2008
    University of California - Irvine
    Irvine, CA


    Masters of Business Administration, 2011
    Specialization in Finance
    SDSU College of Business Administration
    San Diego State University
    San Diego, CA


    Series 7, 66, Licensed

    About Me

    Nateanah joined the Harper Koren Group in 2015 from the settlements division in Baltimore, MD. She primarily assists clients with their online, premier cash management, annuity and managed account needs. Prior to her joining Morgan Stanley she had a mix of experience working with the Department of Agriculture, the Harlem Globetrotters and the City of Oakland. She has a Bachelor's degree in Business Administration from Hofstra University and a Master?s degree in Sports Administration from Georgetown University. She is currently working on attaining her series 7 license.As a self-proclaimed foodie, Nateanah enjoys traveling the world with her husband and trying different foods.

    Bachelor of Arts - Business Administration, 2009Hofstra University Hempstead,NY



    Mastersof Sports Administration, 2012Georgetown University Washington, D.C.

    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.

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    Morgan Stanley and Justin Rose: A Winning Team

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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.
    Learn more about Reserved | Living & Giving
    Sign Up for eDelivery

    Sign Up for eDelivery

    With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
    Learn more about Sign Up for eDelivery
    Access Morgan Stanley Online

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    Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
    Learn more about Access Morgan Stanley Online
    Ready to start a conversation? Contact The Harper Koren Group today.
    Market Information Delayed 20 Minutes
    1Morgan 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.

    2Morgan 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.

    3Morgan 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.

    4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

    7Morgan 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.

    8The 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.

    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.


    CRC 2019752 10/2018