Our Story and Services

Exceeding half a century in combined experience, the Cain Talia Bernal Group is comprised of dedicated financial advisors and associates collectively working together to serve clients in a vast area of financial planning and wealth management. The group strives to provide successful, robust financial/wealth planning by leading with communication, transparency, and integrity while being empowered with the robust resources of Morgan Stanley Wealth Management.

Individually, each of the advisors began his career in the eastern region of San Diego - namely, La Mesa and El Cajon. Collectively, the team has expanded its client base throughout San Diego and is now based out of University Towne Center near La Jolla, California.

While providing investment advice is critical for clients’ financial success, the Cain Talia Bernal Group stands on the idea that a comprehensive financial plan and strategy are imperative to helping clients achieve economic freedom. That is why recognizing and discovering each client’s goals and priorities has become the foundation of every relationship the Group manages.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Financial Planning

With a holistic approach to financial planning, our process begins with your financial objectives and goals. At The Cain Talia Bernal Group at Morgan Stanley, we evaluate all aspects of your financial situation and craft a strategy which aligns with your goals.

For us, financial planning is a process that goes beyond the numbers. Financial planning is a process that involves mutual trust. We strive to understand our clients as people, their goals, and what’s important to them.
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    Certified Financial Planner™
    CFP® professionals have met extensive training and experience requirements and commit to CFP Board’s ethical standards that put clients’ interests first.

    Steven holds this designation.
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    Goals Planning System
    Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
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    LifeView Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
    Portfolio Risk Platform (icon) - DO NOT EDIT CONTENT - MUST USE AS IS
    Portfolio Risk Platform
    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
    Portfolio Risk Platform

Tax-Efficient Strategies

Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
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    4 Key Tax Questions for Investors to Consider
    Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
    Explore the Questions Here
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    Tax-Efficient Investing
    The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
    Learn More About Tax-Efficient Investing
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    How to Access Your Tax Forms
    How to Access Your Tax Forms
    1. Log into your account via Morgan Stanley Online
    2. Click the Accounts tab
    3. Select the Documents tab
    4. Go to the Statement drop-down tab
    5. Select Tax Documents and download them
    Click Here to Log In to Morgan Stanley Online
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    2025 Tax Tables
    Here are the tax tables for 2025 to assist with your investment decisions.
    2025 Tax Tables

Client Resources & Tools

Our strategy leverages modern wealth tools and cutting-edge technology. By providing you with the resources you need, we can help you come one step closer to achieving your financial goals.
    Total Tax 365
    Total Tax 365
    Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
    Learn More
    A $695 Annual Engagement Bonus
    A $695 Annual Engagement Bonus
    For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
    Click Here to Learn More
    Investment Advisory - (icon) - DO NOT EDIT CONTENT - MUST USE AS IS
    Investment Advisory
    Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platforms.
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    Global Investment Office
    The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
    Morgan Stanley Portfolio Insights
    Morgan Stanley Online
    Morgan Stanley Online
    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
    Register for Morgan Stanley Online Today
    Digital Vault
    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
    Get Started Today
    eDelivery
    eDelivery
    Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
    Enroll Today
    Security Center
    Security Center
    Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
    Visit our Security Center

Alternatives

We take advantage of our unique position and our affiliates to find cutting-edge techniques from some of the industry's most seasoned investing professionals. We strive to find the managers who we believe are well equipped to assist our clients in achieving their goals by conducting thorough due research on each alternative investment product on our platform. Your decisions will be based on your objectives, risk tolerance, and goals.
  • Private Equity
  • Private Credit
  • Private Real Estate
  • Private Markets
  • Hedge Funds
  • Digital Assets
  • Exchange Funds
  • Structured Investments

Location

4350 La Jolla Village Drive
Suite 1000
San Diego, CA 92122
US
Direct:
(858) 597-7764(858) 597-7764

Meet The Cain Talia Bernal Group

About Me

Scott Cain brings 20 years of experience in the industry to the Cain Talia Bernal Group at Morgan Stanley. As an advisor, Scott identifies clients goals and develops a strategy to help achieve them by analyzing their current risk, monitoring, and making adjustments as needed. Through education and communication Scott prides himself on building relationships so clients can reach their goals and financial independence with knowledge and confidence.

Before joining Morgan Stanley, Scott entered the financial industry in 2003 after graduating from San Diego State University with a B.S. in Financial Services along with a Minor in Economics. During this time he also completed his certificate in personal financial planning. Prior to his time at SDSU, Scott was stationed in Germany as a part of the United States Army: "My military background definitely shaped me into the person I am today. Skills such as clear communication, teamwork, discipline and strong work ethic - easily translate into my work on a daily basis."

Outside of the office, Scott looks to spend time with his family by traveling together and coaching his daughter's softball team throughout the years. Scott enjoys staying active by playing golf and attending SDSU sporting events, basketball being his favorite. He also remains closely connected with his university as a SDSU Tower Society Member. Most recently, Scott has become involved with the Pancreatic Cancer Action Network and plans to continue being active within the organization in the future.
Securities Agent: AK, TN, NJ, NH, PA, SC, MD, DE, SD, MA, WI, MI, KY, AZ, VA, TX, NC, ME, GA, FL, AR, ID, HI, CO, OR, OH, KS, CA, WA, UT, NV, MN, IL, NY, MT, MS, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2536666

About Me

As a tenured, successful Financial Advisor and CERTIFIED FINANCIAL PLANNER™ professional, Steven Talia maintains an unwavering commitment to his clients to provide the highest level of service, offerings, and resources. This simple, yet critical, expectation is what ultimately prompted him to become a Financial Advisor with the Cain Talia Bernal Group at Morgan Stanley.

With experience over the past 15 years in the industry of banking, wealth management, and financial advice, Steven has seen what success and failure look like for advisors and clients alike. Equipped with experience, knowledge, ethics, and resources, he has an internal motivation to provide exceptional service in developing lifelong relationships through educating, communicating, and planning with clients.

On a personal note, Steven is proud to express his sincere gratitude to this nation, being an Iraqi-born immigrant whose parents sacrificed everything to provide an opportunity at the American Dream. A husband to an immigrant wife, Rita, and a father to a two-year-old girl, Abigail, who is first-generation born in the US, and Steven strives to show her how amazing this nation is in allowing us to all achieve everything we work hard towards.

As a part of the Cain Talia Bernal Group, Steven looks forward to having the opportunity of showing you the value of working with him and his team and providing you with confidence surrounding your wealth and retirement planning. Steven looks forward to meeting you and your family.
Securities Agent: TX, SC, OH, DE, MN, HI, FL, IN, AR, NH, MI, ID, TN, NV, GA, WI, WA, SD, NC, UT, MD, MA, AZ, OR, IL, CO, CA, AK, NJ, MT, NY, KY, VA, PA, MS, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 471987

About Me

With 15 years of experience in the financial services industry, Chris Bernal is a financial advisor with the Cain Talia Bernal Group at Morgan Stanley. Passionate about financial planning, client service, and building relationships, Chris helps his clients invest with a purpose through his process of Listening, Understanding, Advising and Seeing It Through. His primary goal is to guide each client through retirement planning, legacy planning, asset allocation, cash management, insurance, and leveraging credit strategies. With his approach, Chris understands that every client has different needs and there isn't a one size fits all investment for everyone, but with planning and consistent follow up, he can do his best to give the best advice and guidance to help them meet their goals.

Before joining Morgan Stanley, Chris started in the industry in 2008 shortly after graduating from San Diego State University with a B.S. in Integrated Marketing and Communications. He currently holds his FINRA Series 7, 66, and Life & Health Insurance Licenses.

Chris grew up in the Bay Area and moved to San Diego in 2006. As an avid basketball player and fan, Chris met his wife playing basketball and loves to go to Aztec Basketball games. Happily married with 2 daughters, most of his time is spent with them going on family trips and visiting family in Los Angeles, Northern California, and Utah. Outside of the office, he also loves to BBQ and cook for friends and family.
Securities Agent: NJ, PA, AZ, IL, NC, KS, HI, TN, NH, CA, AK, UT, IN, SC, OH, MD, KY, ID, DE, CO, WI, TX, NY, MN, GA, FL, WA, VA, MT, MI, MA, AR, SD, NV, MS, ME, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 832908

About Betsy Edmunson

Betsy brings 18 years of financial services experience to the Cain Talia Bernal Group. After graduating from SDSU, Betsy began her career with Wells Fargo Bank, where she obtained her securities licenses. Betsy eventually joined Union Bank’s Private Bank office in La Jolla, where she supported a financial advisor for the next eight years. Betsy has worked with Morgan Stanley for the past several years, assisting advisors in La Jolla, Rancho Santa Fe, and is now dedicated to the Cain Talia Bernal Group. Betsy prides herself on providing the highest level of service to our valued clients.

Betsy grew up in Temecula and enjoys everything San Diego has to offer. On her free time Betsy enjoys traveling, sailing, hiking, trying new restaurants, and spending time with family.
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Cain Talia Bernal Group today.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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Awards Disclosures
CRC 6491812 (04/2024)