Osvaldo Rojas, CIMA®
Senior Vice President, Wealth Management,
Wealth Advisor
Direct:
(650) 853-4038(650) 853-4038
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Valdo began his career as a Financial Advisor with Morgan Stanley in 1998. For over 25 years, he has worked with high net worth individuals, entrepreneurs, and Family groups to successfully navigate various market environments by leveraging Morgan Stanley’s vast global resources and intellectual capital. Coupled with his extensive experience and passion for advising clients on various wealth management matters, he has been able to help clients achieve their financial goals and aspirations.
As a leader and managing partner with the Gersh-Rojas Group in Palo Alto, California, his primary focus is on providing clients with a custom tailored wealth management experience using integrated wealth management strategies. We focus on investment strategies designed to preserve and grow an investment portfolios. In addition, we also provide coordinated access to various financial professionals within Morgan Stanley to ensure all aspects of wealth management and financial planning are covered. Our team’s dynamic and result-oriented approach along with our ongoing due diligence, open communication, and transparency have helped us build our long standing reputation for excellence.
Valdo graduated from San Jose State University with a degree in Business Administration and concentration in Finance. He also earned a Certified Investment Management Analyst (CIMA) designation from the Wharton Business School at the University of Pennsylvania. Valdo was born, raised, and lives in the Bay Area and is married with three boys. He enjoys spending time and traveling with Family, Golf, MotorSports, and Bay Area Sports (Go Niners, Go Dubs).
As a leader and managing partner with the Gersh-Rojas Group in Palo Alto, California, his primary focus is on providing clients with a custom tailored wealth management experience using integrated wealth management strategies. We focus on investment strategies designed to preserve and grow an investment portfolios. In addition, we also provide coordinated access to various financial professionals within Morgan Stanley to ensure all aspects of wealth management and financial planning are covered. Our team’s dynamic and result-oriented approach along with our ongoing due diligence, open communication, and transparency have helped us build our long standing reputation for excellence.
Valdo graduated from San Jose State University with a degree in Business Administration and concentration in Finance. He also earned a Certified Investment Management Analyst (CIMA) designation from the Wharton Business School at the University of Pennsylvania. Valdo was born, raised, and lives in the Bay Area and is married with three boys. He enjoys spending time and traveling with Family, Golf, MotorSports, and Bay Area Sports (Go Niners, Go Dubs).
Securities Agent: WI, WY, AZ, AK, AR, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, KS, MA, MD, MO, NC, NM, NV, NY, OH, OR, PA, RI, SC, TX, UT, VA, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255434
CA Insurance License #: 0C63275
NMLS#: 1255434
CA Insurance License #: 0C63275
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR JOURNEY TOGETHER
Our process is centered on you and your family, considering your current situation and future aspirations. Collaboratively, we create strategies to support your journey, guiding you through life's obstacles and aiding you in making well-informed choices.
Discovery
We start by having an in-depth conversation, listening attentively to grasp the core of your family dynamics, legacy, and priorities. By understanding the values that guide your choices, we pinpoint any distinct challenges and situations that are particular to your individual circumstances.
Analysis
Next, we assess your current and future financial situation, identify any possible shortcomings, and examine how unexpected life events could impact you. At this stage, we might collaborate with your CPA and estate attorney to grasp your current tax and estate arrangements, ensuring that our strategies align seamlessly within a comprehensive framework.
Plan Developement
At this stage, we create a detailed wealth management plan tailored to meet your individual requirements and objectives. Our approach involves using exclusive financial planning tools to craft a customized strategy. This strategy covers not only investment and asset allocation suggestions but also integrates essential risk management tactics, along with estate planning, trust management, and philanthropic options.
Presentation and Implementation
We outline your customized plan thoroughly in this stage, providing a rationale for each recommended strategy. We delve into the advantages and drawbacks of each solution, fine-tuning your plan through our conversations. Upon your approval, we will commence implementing the strategies collaboratively. Our commitment to transparency means you will be engaged at every stage of the process.
Ongoing Services
We closely monitor your progress and assess your plan's performance through regular meetings. Depending on shifting market conditions or changes in your personal situation, we might suggest modifications to help you stay on course towards reaching your objectives.
PORTFOLIO MANAGEMENT & WHY IT MATTERS
As Senior Portfolio Managers at Morgan Stanley, our main focus is meeting the needs of high net worth individuals and institutional clients. Our experience lies in developing personalized investment strategies, portfolios, and strategies. We create a personalized approach built on trust, allowing us to customize our services to match your individual requirements.
Discretion over Investment Decision
Upon your approval, we can exercise our judgment to make well-informed and prompt investment choices, which save you time and enable you to focus on other important matters.
Direct Control over Assets Included in the portfolio
Some standardized models and fixed portfolios may not accommodate personalized asset adjustments. However, we include customized assets to enhance and individualize your financial strategy.
Risk Adjusted Portfolios
We apply our skills as portfolio managers to create customized portfolios that align with your risk tolerance. Moreover, we structure these portfolios to efficiently reduce any specific risks associated with you and your assets.
Ability to Adjust Asset Turnover as Needed to Optimize taxable gains.
With our deep understanding of portfolio management, we leverage financial skills in asset turnover, and tax-loss harvesting to optimize your taxable gains.
Questions:
If you have questions about our portfolio management services or are unsure if they are right for you, please contact us using the link below.
Morgan Stanley Online & App
Morgan Stanley Online and the Morgan Stanley Mobile App provide you with access to your account information, enhanced reporting tools, market research, and cash management solutions. Your everyday finances and investments are always just a few clicks away with Morgan Stanley Online.
Learn More About MSO
Total Wealth View
Complete your financial picture with total wealth view. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Our Goals Planning System can tailor an investment framework that considers key aspects of your life such as retirement, home buying, legacy needs, and other strategies. Working with us paired with Morgan Stanley technology is a great way to access tailored advice and build a holistic wealth plan.
Learn More About Our Planning Tools
Online Security Center
Safeguarding your assets and personal information is one of our highest priorities at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources that are geared towards helping you stay protected online.
Learn More About Online Security Center
Spending and Budgeting Tool
Put your money to work with our Financial Management Tools. You can track spending habits, categorize expenses, and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Financial Management Tools
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Learn More About Digital VaultLocation
245 Lytton Avenue
Suite 200
Palo Alto, CA 94301
US
Direct:
(650) 853-4038(650) 853-4038
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Osvaldo Rojas today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
4Morgan 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.
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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
4Morgan 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.
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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
