The Cheng Group at Morgan Stanley

Bonnie Cheng is a Senior Vice President, Senior Wealth Advisor and CERTIFIED FINANCIAL PLANNERTM with The Cheng Group at Morgan Stanley in San Mateo, Calif. In a career that has spanned more than two decades she has firmly established a solid reputation for reliability, professionalism and unwavering integrity.

Bonnie is deeply devoted to providing excellent service to her clients. “I sincerely care about making life easier for them,” she says. “I do this by consistently delivering -- and striving to exceed their expectations. I want them to feel they have a trusted advisor working hard for them every day.”

Bonnie’s caring spirit comes through in her very first meeting with an investor. She conducts a comprehensive interview in which she takes the time to understand fully all the details of the person’s financial life. She is an excellent listener and keenly adept at identifying what really matters to investors.

Following the initial meeting, Bonnie meticulously analyzes the client’s situation before making her carefully considered recommendations in a language that clients can easily understand. From there, she keeps clients well-informed through regular communications. Bonnie believes a well-informed client is a confident one, regardless of market and economic conditions.

Bonnie’s greatest satisfaction comes when she helps clients achieve their financial goals and they in turn entrust more of their wealth to her. Having helped countless clients through the years, she has received numerous referrals and now manages money for children of long-time clients.

Born in China, Bonnie has clients in both the U.S. and in Asia. She serves primarily high-net-worth clients, multinational corporations and business owners. She completed her undergraduate work in China and has an MBA from San Francisco State University. Before joining Morgan Stanley in 2022, she worked more than seven years at Citi as a CERTIFIED FINANCIAL PLANNERTM and Senior Wealth Advisor.

Bonnie is married to her husband, Benny Huang, and they have one child, Claire. In her free time, she enjoys traveling and biking with her daughter.

Justine Cramer is a Financial Advisor with The Cheng Group at Morgan Stanley in San Mateo, California. She specializes in creating diversified multi-asset strategies and providing personalized guidance on financial planning. Justine is passionate about helping individuals and families make intentional financial decisions that align with their goals.

Before joining Morgan Stanley in 2022, Justine spent 20 years as a Relationship Manager at Citi and HSBC. She holds FINRA Series 7, 65, and 63 licenses. With a deep appreciation for relationships and communication, Justine is a thoughtful and empathetic listener, allowing her to offer personalized financial guidance that addresses each client’s unique needs.

Originally from Taiwan, Justine faced the challenge of building a new life in the United States while navigating unfamiliar financial systems. With the support of her church community and her growing expertise in finance, she developed the tools to succeed. Today, she draws on her personal journey to help clients—including new immigrants—achieve financial security and plan for future generations.

As a single mother, Justine understands the vital role financial planning plays in creating stability and opportunity for families. She believes financial education starts with small, actionable steps and grows into a foundation for long-term independence.

Outside of work, Justine is active in her church and enjoys spending quality time with her daughter, Manya, and her close circle of friends.