Charlie A Ramos
My Mission Statement
MY STORY
For as long as I can remember, I have been fascinated by economics and the finance industry. In high school, I was a messenger in the mail room of a financial firm on Wall Street. During college, I transitioned from delivering stock certificates, and other client packages in New York City to statistical analysis for another Wall Street firm. I continued in financial services by working in compliance and then transitioned to a financial advisor with Morgan Stanley in Menlo Park, California.
I earned a Bachelor of Science in Economics and a minor in Business Law at St. Peters University, where I serve on the Board of Regents and Investment Committee. At Morgan Stanley, I help foster the firm's values as a member of the Pacific Coast Region's Diversity, Equity, and Inclusion Council.
As financial advisors, we work directly with our clients on executive and equity compensation planning, goal setting and financial planning. I look forward to the opportunity to talk with you.
Member of The Daniels Group who ranked #63 in 2024 Barron's Top 250 Private Wealth Management Teams
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje
NMLS#: 1278793
Executive Compensation
Morgan Stanley is a market leader in 10b5-1 plans and executive compensation planning. I have focused on this niche for over 15 years and incorporate our firm’s resources into my advisory practice.
I help my clients navigate financial reporting regulations, blackout periods, and narrow trading windows. The foundation of incorporating your equity compensation into your financial plan begins with creating and implementing a 10b5-1 plan that reflects your desired level of diversification, risk, and need for liquidity.
Too often clients lack a framework or long-term plan for managing their executive compensation and/or wealth. Whether you are a corporate executive, entrepreneur, or have received a transfer of wealth you should set up a wealth management plan that can help measure progress and accomplish your long-term goals.
The General Process:
The Process of Financial Planning:
My financial advisory practice starts with a one-on-one conversation with you. Listening to you gives me the insights needed to fully understand your financial goals.
Through collaborative communication can we understand your financial concerns, your current financial position, level of risk and determine a suitable approach and plan for the future. This is why I created my 3D Financial Process:
Discover – solutions that our clients seek.
Determine – the root of our clients’ concerns.
Diagnose – the concerns and present an appropriate strategy and approach.
Implementing Your Financial Plan:
Once we complete my 3D Financial Process, I focus on creating a tailored financial plan that addresses your current financial status, desired outcomes, and provides a holistic analysis of potential solutions. From here, we can review the proposed strategies and discuss the benefits and risks of your financial plan.
Monitoring & Refining Your Financial Plan:
I continuously advise our clients through each stage of life such as career transitions, marriages, separations, and family additions. We monitor and reevaluate their financial goals as the markets change and their life evolves.
Specifically, I vigilantly monitor and revise clients’ financial plans and investments; promptly addressing each concern shared with me or discovered through my own vigilance. With this collaborative financial management approach, my clients can proactively pursue their financial goals with confidence.
Meet Our Team
Phone: (650) 926-7105
Email: Charlie.Ramos@morganstanley.com
For as long as I can remember, I have been fascinated by economics and the finance industry. In high school, I was a messenger in the mail room of a financial firm on Wall Street. During college, I transitioned from delivering stock certificates, and other client packages in New York City to statistical analysis for another Wall Street firm. I continued in financial services by working in compliance and then transitioned to a financial advisor with Morgan Stanley in Menlo Park, California.
I earned a Bachelor of Science in Economics and a minor in Business Law at St. Peters University, where I serve on the Board of Regents and Investment Committee. At Morgan Stanley, I help foster the firm's values as a member of the Pacific Coast Region's Diversity, Equity, and Inclusion Council.
As financial advisors, we work directly with our clients on executive and equity compensation planning, goal setting and financial planning. I look forward to the opportunity to talk with you.
Phone: (650) 926-7178
Email: Michael.Curts@morganstanley.com
As a native of Indiana, I developed an appreciation of Midwestern values and hard work. In 2006, I moved to California and started my career in the financial services industry as a Client Service Associate at Smith Barney which is now Morgan Stanley by merger. My passion for becoming a financial advisor and assisting clients began in the Great Recession in 2008. In this period of extreme market volatility, I learned to appreciate the value of proactive investment solutions based on sound diversification strategies.
In 2008, guided by the values I learned growing up and with a diligent focus on preserving my clients' hard-earned wealth, I carefully advised each client through the difficult financial and emotional roller coaster they personally experienced.
Today, we focus on diversified investment strategies for hard-working corporate executives and clients focused on retirement planning. I hold Financial Planning Specialist and Senior Portfolio Manager designations from Morgan Stanley. Whether a client is looking for advice on 10b5-1 trading plans, executive compensation, investment style allocation, or the selection and evaluation of investment opportunities, we initially focus on learning what the client values.
Phone: (415) 949-6120
Email: Tim.B.Davis@morganstanley.com
As a Senior Vice President and Executive Financial Services Director my focus is connecting clients to a wide range of Morgan Stanley's institutional and wealth management services. I help my clients get organized, diversify, and on the right track to achieve their goals.
I help company executives, such as CFOs, Controllers, Treasurers, Stock Plan Administrators, HR professionals and Total Rewards employees and their respective teams, navigate the complex issues of executive compensation. I also present equity compensation seminars to large groups of employees which helps them better navigate their path to financial security. While we offer solutions for complex situations, we understand simplicity has value.
I began my career in 1998, after receiving my Bachelor of Science degree in International Management from Cal Poly, San Luis Obispo. For the next decade, I worked in finance and sales of Corporate Stock Benefit Plans at UBS, E*TRADE and Citigroup while earning my MBA. I joined Morgan Stanley in 2011 as a Corporate Client Group Director, delivering wealth management solutions to executives and entrepreneurs with large single stock positions. We integrate our clients' equity compensation into a comprehensive, goal-based, wealth management plan.
Outside of work, my wife and I are happily consumed with the activities of our three kids. I enjoy coaching their baseball teams, skiing and deep-sea fishing.
Phone: (650) 926-7667
Email: steven.daniels@morganstanley.com
I grew up in Corvallis Oregon and graduated from Oregon State University with a degree in Finance. I had two terrific professors, in economics and finance, who sparked my interest in the financial markets. I paid for my college education by working during the summer breaks in Alaska on two commercial salmon fishing boats. Working long hours in Alaska helped me appreciate the value of discipline, teamwork, and hard work.
After college I traveled across the United States and Europe, taking me from San Francisco to Boston and Marrakesh to Helsinki where I met my future wife. My travels ended on Sand Hill Road in Menlo Park CA in 1983. Silicon Valley was young, vibrant and had an exciting new energy. Our Menlo Park branch manager hired me when I arrived with not much more than a backpack and a desire to work in finance.
Over forty years later, I am a Managing Director, and work in that same office. Our team manages $5.97 billion of our clients' assets.* We are financial advisors and a thought partner. We provide financial planning, perspective on the markets, and advice on investments. We work with many technology professionals who receive a large part of their compensation in equity. We believe a goals-based investment approach increases investors' financial confidence, which can improve long term returns.
*($5.97B as of 12/31/2024)
Phone: (650) 926-7137
Email: Xiuying.Jin@morganstanley.com
I graduated with a master's degree at Jilin University and got a master's degree and finished my PhD coursework in econometrics and statistics at Oregon State University. Prior to joining Morgan Stanley, I worked for Central Bank of China in Beijing, at a world leading technical and engineering consulting firm in Shanghai, and the Federal Reserve Bank in San Francisco. I also taught Economics at Menlo College as an Adjunct Professor.
Working together with my clients' tax advisors and attorneys, I help my clients construct a personalized financial plan and develop tax efficient strategies for their investments and overall portfolio. As an International Financial Advisor, I advise international clients living in mainland China, Hong Kong, Taiwan, New Zealand, Australia, Canada, UK, Ireland, BVI, and the Cayman Islands. I have extensive experience providing holistic cross border wealth management solutions for high-net-worth individuals and families.
We can help develop an investment strategy which weighs your financial goals, timeline, and views towards risk.
Phone: (650) 926-7654
Email: J.Marguet@morganstanley.com
Since joining Morgan Stanley's Sand Hill Road office in 1983, in the heart of Silicon Valley, I have dedicated 42 years to providing careful financial advice to individuals, families, and corporate executives.
I have witnessed many market cycles from difficult recessions to unprecedented booms and have guided clients through these times by providing market insights, investment perspectives, and financial advice. With a long-term investment approach, I tailor each investment portfolio to align with our clients' specific values and needs.
Whether you want to diversify your equity compensation stock awards, focus on wealth accumulation, improve your portfolio's tax-efficiency, measure and reduce your portfolio risk, give to charity, or more, I welcome the opportunity to help you identify and achieve your goals.
Phone: (650) 926-7231
Email: Jessie.Marguet@morganstanley.com
Having grown up in the finance industry, I have seen the world of financial advice evolve through many economic cycles, and shifts in technology, and theory. After graduating summa cum laude from UC Santa Barbara with a Bachelor of Arts in Political Science and minor in Business Communications, I returned to Silicon Valley to join the Daniels Group and help clients build a secure financial future.
We focus on long-term tax-efficient investing and emphasize diversification. We are holistic Financial Advisors, so whether you are interested in retirement planning, college funding, estate planning, insurance, gifts to charity, or selling stock in an employee compensation plan we have the resources to cover your financial needs. With Morgan Stanley's access to some of the world's most seasoned and respected investment professionals, a premier trading platform and spectrum of investment choices, together, we can create and monitor a dynamic plan that will evolve and adjust at each stage of your life.
Phone: (650) 926-7189
Email: Elizabeth.Dong@morganstanley.com
We help many successful executives manage their global employee stock plan benefits, set up 10b5-1 stock trading plans for corporate officers and insiders, implement strategies for concentrated equity positions, and establish estate planning strategies for their families.
I help clients understand the risks and complexities of managing cross border investments both in the US and Asia. I speak fluent Mandarin and I value clear and effective communication. I help my clients better manage their global wealth.
I started my investment career in 2006. Before joining Morgan Stanley in 2013, I was a member of a team that managed $20 billion in assets at a large investment management company. I earned my MBA in Finance from Miami University and received a Graduate Certificate in Management Science and Engineering from Stanford University. I currently hold the Chartered Financial Analyst™ (CFA®) and CERTIFIED FINANCIAL PLANNER™ (CFP®) designations.
Phone: (650) 926-7221
Email: Parker.Bauman@morganstanley.com
Every journey we undertake has a beginning and destination. To reach your destination a path must be clearly identified and then followed.
My journey to join Morgan Stanley as a Financial Advisor and Financial Planning Specialist in the Silicon Valley reflects this principle. After graduating from high school, I enlisted in the United States Marine Corps, where I learned the importance of setting a clear goal to reach a destination. Following my service, I earned a Bachelor of Arts in Psychology and minor in Business Law from the University of Nevada, Las Vegas.
During the 2008 financial crisis, I served as a bankruptcy and restructuring professional for individual and corporate debtors. Assisting clients through this period of financial turmoil reinforced the critical importance of establishing well-defined goals. This experience led me to understand the success of a financial journey is determined by the quality of the advice, guidance, and plan.
Whether you seek guidance on managing your executive compensation, investment portfolio, lending and cash management, or estate, trust, and legacy planning; the first step is articulating your current position and financial goals. Your journey and destination are unique to you and your family. Let's get started on a financial plan that we can monitor and measure your progress.
Phone: (650) 926-7206
Email: Jackson.thoreson@morganstanley.com
Joining Morgan Stanley Wealth Management in June 2024 as a Financial Advisor, Jackson is focused on serving the wealth management needs for individuals and families, entrepreneurs, coaches and athletes, and executives and employees of private and public companies. Jackson and his partners advise across many areas of wealth management including financial and estate planning, asset allocation, lending, and investment management strategies.
Jackson puts a premium on understanding the individual needs and challenges of his clients, asking deeper questions, and taking a customized approach to address those concerns. Time-horizon, risk tolerance, lifestyle, and long-term goals lay the foundation for a wealth management process that can adapt to different market conditions.
Jackson began his career in the financial services industry in 2019 after a previous career in professional sports. Knowing the challenges of being in transition, he shares that experience through helping with important life events such as retirement, relocation, and job changes.
Jackson was raised in San Jose, CA, where he attended Bellarmine College Preparatory. Jackson graduated from Saint Mary's College of California with an Economics Bachelor's Degree.
Jackson and his wife Paige have a Cavalier King Charles named Clarke and live in San Jose.
Phone: (650) 926-7689
Email: Roy.U.King.II@morganstanley.com
Roy King joined Morgan Stanley and the Daniels Group in January of 2000, at the Y2K peak and right before the "Dot Com" bust. Those two events gave Roy perspective on the value of setting long term goals and not letting present day "chaos" drive emotional decisions.
Roy wears many hats with The Daniels Group but primarily focuses on B2B business development, managing Corporate Equity Stock Plan relationships, and 10b5-1 Plan administration. Although Roy's primary role is overseeing our team's equity compensation and 10b5-1 plan operations, he also enjoys helping our wealth management clients develop a goals-based financial plan while monitoring their long-term progress.
Roy has a background in Radio Broadcasting and Commercial Construction but prefers to spend his days on his Bass Boat fishing local Lakes and the Sacramento-San Joaquin Delta. He grew up in Petaluma, CA but has lived in the East Bay, CA for the past 3 decades along with his two sons and his dog - Broc.
Phone: (650) 926-7682
Email: Jia.He@morganstanley.com
Jia joined Morgan Stanly in 2014 as a Client Relationship Associate. She currently manages all aspects of client interactions for the three senior advisors of the Daniels Group, including client onboarding, cash management, and 10b5-1 trade reporting, in addition to individual client specific services.
After graduating from UC Davis with a dual degree in International Economics and Classical Music, she began her career in finance as an Associate Financial Advisor and Team Marketing Director, at Merrill Lynch. Prior to joining the financial industry, she worked on multinational public relations projects such as Governor Schwarzenegger's China Trade Mission and Economic Regeneration ventures in liaison with The Prince's Trust in London, UK.
She holds Series 7 and 66 licenses and lives in San Jose with her husband Colin and son Liam. She enjoys swimming, piano performing, and organizing music concerts for her son's preschool in her spare time.
Learn more about how our team can help by visiting our team website below. Start the conversation today through the "Contact Us" button at the top of the page.
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje
Client Conversations, Perspective and Advice
First and foremost, I establish client relationships not customer experiences. As with life and careers, financial planning and a relationship with an advisor evolves and grows over time. By developing long-lasting client relationships, I can share my passion of economics and financial planning with those I am privileged to serve.
In my experience, I have found that connecting with passionate members of my community and in business has led to intelligent and self-aware conversations. Through these conversations, mutual respect and trust is earned over time. This is why I desire long-term client relationships. I personally appreciate and enjoy acknowledging quality, which I aim to deliver.
Providing advice and effective client communication goes beyond periodic portfolio reviews. Here are issues that I discuss with clients, and I can discuss with you.
- COMPREHENSIVE FINANCIAL PLANNING - Discuss goals, develop a financial plan, monitor progress, and adjust. Are their blind spots in your plan?
- CHANGES AND TRANSITION - What changed? What keeps you up at night?
- INVESTMENTS - Are your investments aligned with your objectives? Discuss tax efficient goals-based portfolio management and asset allocation.
- EQUITY COMPENSATION - What do you want to fund or accomplish with your shares? Set goals and timelines. Sell or accumulate shares?
- 10b5-1 PLANS - Design and implement a goals-based 10b5-1 plan to sell RSUs and stock options over time.
- NEST EGG - Have you saved enough? How much do you need? Will you be able to financially retire with confidence?
- RETIREMENT - When, where, for what reason, part time or full time? What do you want to achieve in this next chapter?
- COLLEGE SAVINGS - Use a 529 plan, tax free bonds or keep the assets in a separate account in your name?
- MORTGAGE - Keep or reduce your mortgage?
- SECOND HOME - What is the goal and cost? Where and what size? For your personal use and/or rental income?
- LIFE INSURANCE - If you pass away, does your spouse have enough life insurance to pay off your mortgage and cover your children's college education?
- LIABILITY INSURANCE - Do you have enough coverage for risk such as owning rental property or having dependent children who drive?
- CHILDREN AND GIFTING - Give assets to your children now or later? How much do you give? Are your gifts enabling or disabling your children?
- PHILANTHROPY - Give now or later? Give cash or appreciated stock? Discuss goals-based giving and a Donor Advised Fund (DAF).
- ESTATE PLANNING STRATEGIES - Discuss the value of estate planning, a revocable living trust and the related documents.
I can help you develop a financial plan that outlines a roadmap and destination and provides a framework to track your progress. Let's discuss your plans and goals.
Our team manages $5.97 billion of our clients' assets as of 12/31/2024.
Our team ranked #63 in 2024 Barron's Top 250 Private Wealth Management Teams
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje
Client Service Team
After graduating from UC Davis with a dual degree in International Economics and Classical Music, she began her career in finance as an Associate Financial Advisor and Team Marketing Director, at Merrill Lynch. Prior to joining the financial industry, she worked on multinational public relations projects such as Governor Schwarzenegger’s China Trade Mission and Economic Regeneration ventures in liaison with The Prince’s Trust in London, UK.
She holds Series 7 and 66 licenses and lives in San Jose with her husband Colin and son Liam. She enjoys swimming, piano performing, and organizing music concerts for her son’s preschool in her spare time.
Outside of work, he enjoys swimming, playing guitar, and working out.
Pariss is a Bay Area Native who enjoys snowboarding the mountains of Tahoe, hiking the trails of Big Sur, and spending time with her loved ones.
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Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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