Richard Dressel is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to support client decision-making.

Dona Rozsypal is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009 and holds Series 63 and Series 65 credentials. Outside of her advisory role, she is involved in property investment through ownership of a house renovation business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning using structured tools and models, managing approximately $2.74 trillion in client assets.

Mary Fava Marsh is a CFP®-designated financial advisor with 25 years of industry experience. She is currently with Morgan Stanley in Paramus, NJ, having joined the firm in 2025 after nine years at UBS Financial Services. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and financial planning services.

Tiffany Stewart is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Morgan Stanley. Her prior experience includes nine years at UBS Financial Services and two years working in the hospitality sector. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Their planning process incorporates structured discovery conversations and firm-approved tools, focusing on advisory services without individual security recommendations in standalone plans.

Simona Bagwill is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 credential and four years of industry experience. She previously worked at UBS and the Ramsey Golf and Country Club. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Ariel Rotenberg is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 11 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Michael Gammarati is a financial advisor with Morgan Stanley in Paramus, NJ, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and uses firm-approved tools and models to support financial planning without providing individual security recommendations in standalone plans.

Robert Shamis is a Certified Financial Planner (CFP®) with 18 years of industry experience. He is currently with Morgan Stanley in Paramus, NJ, where he has worked since 2017, including a role at Morgan Stanley Private Bank, N.A. from 2021. His prior experience includes positions at Bank of America and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process that incorporates risk and outcome modeling.

Joseph Gammarati is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role with Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and analyses.

Courtenay Hathcock is a CFP® with 21 years of experience in the financial industry, currently serving as an advisor at Morgan Stanley. Her career includes tenure at Wells Fargo Clearing and Wells Fargo Advisors before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques.

Anita Srivastava is a CFP® with 12 years of industry experience, currently serving at Morgan Stanley. Her background includes roles at Bank of America and Merrill prior to rejoining Morgan Stanley in 2023. She is a board member of the College Club of Northern New Jersey. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets.

Richard Ludwicki is a financial advisor at Morgan Stanley in Paramus, NJ, holding Series 63 and Series 65 licenses with 22 years of industry experience. His work history includes roles at E*Trade and self-employment prior to joining Morgan Stanley in 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

Carolyn Simon is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities, Wells Fargo Bank, and Regent Atlantic. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Corethia Oates is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 66 designation and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, Oates is a board member of the Construction Industry Association of New Jersey and a certified Maxwell Leadership Coach, engaging in coaching, speaking, and leadership training. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, delivering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and offers a variety of investment and financial services, including relationships with private funds and affiliated commodity pool operations.

Frances Goldstein is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley and its private bank since 2015. Outside of her advisory role, she is a trustee for Helaine Shimel and is involved in the purchase and occasional sale of antiques. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Jose Martinez is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Certified Financial Services and the UFCW National Health & Welfare Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes supported by firm-approved tools and modeling techniques.

Joseph Heyer is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2009, including Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and analyses to support client financial plans.

Patricia Mason is a financial advisor with Morgan Stanley in Paramus, NJ, holding a Series 66 designation and 24 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering advisory programs that include tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and analysis.

Nicholas Aynilian Jr. is a Series 66-licensed financial advisor with Morgan Stanley, based in Paramus, NJ, and has one year of industry experience. His prior work includes roles at Silver Point Capital, LP, and Wells Fargo Bank, NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery and firm-approved tools, using modeling techniques such as Monte Carlo simulations.

Thomas Mc Cabe is a financial advisor at Morgan Stanley in Paramus, NJ, holding a Series 66 designation with six years of industry experience. He joined Morgan Stanley in 2017 after two years at Ameriprise. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and firm-approved tools to model outcomes, serving clients primarily in an advisory capacity.