CA

Our Team at Morgan Stanley San Francisco Ca Market

About Thomas Bonds

Tom began his career at EF Hutton as an intern while still attending college and progressed in offices across the country as his responsibilities and career grew. This journey took Tom from Glendale, CA, to Chicago, IL, and back to Newport Beach and Manhattan Beach, CA, before he was named the Complex Manager of the Bellevue Complex in WA, and finally to San Francisco as the Market Executive.

Tom is the Market Executive of the San Francisco/Hawaii Market. Tom was named the National “Producing Branch Manager of the Year” for Morgan Stanley in 2010, 2011, and 2012. Tom feels that he has had a unique advantage in his dual role as a “Player/Coach,” Portfolio Manager and Branch Manager. Throughout his career, he has been privileged with partnering, supervising, and being mentored by the best Financial Advisors and leaders in the industry.

Tom attended California Lutheran University and graduated with a BA Degree in Business Administration. In 2006, he was inducted into the Cal Lutheran University Athletic Hall of Fame and is a former All-American Collegiate Quarterback. In 2014, Tom was recognized as one of the Top 100 Managers in the Industry by “On Wall Street Magazine”.

Tom has been married to his wife, Julie, since 1990, and together they have four adult children, three son’s-in-laws, and nine grandchildren. Tom and Julie live in San Francisco.

About Holly M. Smith

Holly joined the San Francisco-Hawaii Market leadership team in 2023 as an Associate Market Manager.

Holly has spent her entire career in Financial Services. She joined Morgan Stanley in 2013 as a Consulting Group Analyst with a stock plan services and corporate executive wealth planning team based in Boston. Following her role in Boston she has since moved through other roles including, with the Pacific Coast Regional Leadership heading the New Advisor Development program, as Business Development Management for the Northwest Private Wealth Management Market, and most recently developing and implementing organization-wide strategic engagement frameworks for advice upsell and cross-sell within the Morgan Stanley at Work - E*TRADE integration.

Holly earned a Bachelor of Business Administration degree in management from James Madison University. She also earned a Certified Investment Management Analyst - CIMA ® designation; awarded by the Investments & Wealth Institute from The Wharton School at the University of Pennsylvania. Holly has always held a strong belief in contributing to a more sustainable future, incorporating waste reduction and climate-friendly practices into daily life. Holly is committed to giving back, she is a member of WISE (Women Investing for a Sustainable Economy) and volunteers with the American Association of University Women as well as the Junior League of San Francisco.

In her spare time, Holly enjoys traveling and exploring wilderness with her husband Greg – particularly when possible, learning or practicing a new outdoor skill.

About Brent Curlow

Brent Curlow is a Vice President and Associate Market Manager serving Morgan Stanley’s Wealth Management offices in San Francisco and Hawaii.

Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he held the role of Financial Planning Director helping Financial Advisors with their clients’ and prospects’ financial planning needs.

Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.

About Lisa Fiore

Lisa began her Morgan Stanley career in 2007 as a Financial Advisor with Smith Barney in Stuart, Florida. In 2013, after a short time away from the firm, she transitioned back, and has been in several roles since then including Service Associate, Client Service Associate, Complex Risk Officer, and finally Senior Risk Officer for the San Francisco Hawaii Complex. Lisa is a US Army veteran, and the very proud mom of a US Navy sailor currently serving at Pearl Harbor, HI. She currently lives in San Francisco with her husband Jamie, and they both enjoy the mountains, hiking, and camping.

About Tay Van Vlack

Tay Van Vlack is the San Francisco/Hawaii Market Business Development Manager at Morgan Stanley. In her role, Tay is responsible for executing tactical initiatives aimed at business and revenue growth, providing timely thought leadership, and ultimately assisting Financial Advisors in supporting their clients. She acts as a vital link, connecting Financial Advisors with the extensive array of tools, resources, and experts available at Morgan Stanley.

Tay's journey with Morgan Stanley began in 2018 when she joined as an Intern in the Sacramento Market during her final year at the University of California, Davis. She graduated with a Bachelor of Science in Managerial Economics and a Minor in Technology Management. Following her graduation, Tay returned to Morgan Stanley as the Sacramento Market’s Field Training Specialist. She held this position until 2020, after which she relocated to San Francisco and assumed the role of Senior Field Training Specialist for the San Francisco/Hawaii Market. In 2024, Tay was promoted to her current position as Business Development Manager and Vice President.

Tay originates from the Midwest, grew up in the San Francisco Bay Area and now resides in San Francisco with her husband, Harrison. Outside of her professional life, Tay is passionate about traveling, visiting art museums, and reading. She is also deeply committed to community service, volunteering with organizations such as Enchanted – A Night to Remember, which hosts a High School Prom for students with special needs, the Humane Society, and the San Francisco/Marin Food Bank.

About Jay O'Neil

People leadership is a major part of Jay's role as a Market Manager for Morgan Stanley. His primary focus is to help Financial Advisors leverage the Firm to empower their clients to make better financial decisions. Together, they are driven to improve the integrated wealth management outcomes of each client, and that complements our commitment to Morgan Stanley’s five Core Values: Do the Right Thing, Put Clients First, Lead with Exceptional Ideas, Commit to Diversity and Inclusion, and Give Back.

Jay has over 30 years of experience within the financial services industry. After graduating from West Point in 1990 and serving as an infantry officer in the U.S, Army, Jay entered the financial services industry with SEI, eventually became a Managing Director at Merrill Lynch and Barclays, as well as the Head of Macquarie Private Bank in Australia. He joined Morgan Stanley in 2022 and assumed his current responsibilities as both the Market Manager and Executive Director of the San Francisco Branch in 2025. While being the father of two teenage boys takes up much of his time, he also enjoys vacationing in Montana as often as he can to fish for trout and backpack in the mountains.

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Branch Address

101 California St 23rd
Fl
San Francisco, CA 94111
US
Branch:
(415) 693-6000(415) 693-6000
Toll-Free:
(800) 347-3488(800) 347-3488
Fax:
(415) 693-6095(415) 693-6095

Branch Manager

Jay O’Neil
Phone:
(415) 693-6001(415) 693-6001

Branch Address

733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Branch:
(808) 525-6900(808) 525-6900
Toll-Free:
(800) 465-4071(800) 465-4071
Fax:
(808) 525-6901(808) 525-6901

Branch Manager

Clyde Matsusaka
Phone:
(808) 525-6018(808) 525-6018

Branch Address

216 Lorton Avenue
Suite 200
Burlingame, CA 94010
US
Branch:
(650) 340-6500(650) 340-6500
Toll-Free:
(800) 743-6550(800) 743-6550
Fax:
(650) 340-6580(650) 340-6580

Branch Manager

Maureen Bellotti
Phone:
(650) 340-6558(650) 340-6558

Branch Address

33 Lono Avenue
Suite 330
Kahului, HI 96732
US
Branch:
(808) 877-7671(808) 877-7671
Toll-Free:
(800) 246-4050(800) 246-4050
Fax:
(808) 871-2248(808) 871-2248

Branch Manager

Thomas J. Lambert
Phone:
(808) 871-2238(808) 871-2238

San Francisco Ca Branch

Find a Financial Advisor

Branch Address

555 California St 35th
Floor
San Francisco, CA 94104
US
Branch:
(415) 984-6500(415) 984-6500
Toll-Free:
(800) 289-9060(800) 289-9060
Fax:
(415) 984-6596(415) 984-6596

Branch Manager

Thomas Bonds
Phone:
(415) 984-6511(415) 984-6511
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.

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2Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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

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4Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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

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6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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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, charitable giving, philanthropic planning and other legal matters.

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8Morgan 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.

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9Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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10Morgan 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

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11Morgan 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

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12Morgan 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.

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Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.

Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.

Awards Disclosures | Morgan Stanley
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