Phone:
(925) 930-3821(925) 930-3821
The Cline Group at Morgan Stanley
Direct:
(925) 930-3821(925) 930-3821
Our Mission Statement
The Cline Group is a diverse, multigenerational team serving diverse, multigenerational clients. We at The Cline Group are an extended ‘work family’ with over 35 years of combined industry experience.
Our focus is on building longstanding relationships based on trust, understanding, and shared values. We come to work every day engaged in making a difference in the lives of our clients. We take our business personally and believe you will not find a team of professionals more committed to helping you achieve your financial goals.
Our objective is to provide straightforward advice that helps to simplify, organize, and streamline your financial life. We personalize every relationship and tailor every financial strategy to align with your specific needs and ambitions. After all, your goals are unique; how we help you to achieve them should be too.
OUR CORE VALUES
• Relationships begin with careful listening: The details matter and help us not only better understand your current situation but create the optimal roadmap to help you achieve your successful financial future.
• Every decision will be focused on making suitable decisions for you: We will present you with the most appropriate options available, and with unbiased, objective advice.
• We aim to be the trusted source for all your financial needs: We hope to be your first phone call for any financial or life decision.
• When it comes to service, we go above and beyond the basics: No matter how simple or complex your needs, there is always someone here to help you.
Our focus is on building longstanding relationships based on trust, understanding, and shared values. We come to work every day engaged in making a difference in the lives of our clients. We take our business personally and believe you will not find a team of professionals more committed to helping you achieve your financial goals.
Our objective is to provide straightforward advice that helps to simplify, organize, and streamline your financial life. We personalize every relationship and tailor every financial strategy to align with your specific needs and ambitions. After all, your goals are unique; how we help you to achieve them should be too.
OUR CORE VALUES
• Relationships begin with careful listening: The details matter and help us not only better understand your current situation but create the optimal roadmap to help you achieve your successful financial future.
• Every decision will be focused on making suitable decisions for you: We will present you with the most appropriate options available, and with unbiased, objective advice.
• We aim to be the trusted source for all your financial needs: We hope to be your first phone call for any financial or life decision.
• When it comes to service, we go above and beyond the basics: No matter how simple or complex your needs, there is always someone here to help you.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 930-3821(925) 930-3821
Meet The Cline Group
Phone:
(925) 746-2952(925) 746-2952
Mariah Leal
Client Service Associate
Phone:
(925) 930-3825(925) 930-3825
About Eric R Cline
I've always been fascinated by financial markets and that passion has fueled my Wealth Advisory practice for more than 30 years.
My team works with individuals and families to provide guidance and promote financial wellness. My career has been dedicated to helping our clients understand the impact of financial decisions, in both the long term and short term. I’m a graduate of The University of California, Chico with a BS in Business and an AA from Diablo Valley College. I enjoy spending time hiking, golf, watching Formula 1, playing bocce and drinking wine and gin & tonics. I follow the Boy Scout motto…Be Prepared. My wife Stephanie and I have four grown sons and we reside in Pleasant Hill, CA and Incline Village, NV.
My team works with individuals and families to provide guidance and promote financial wellness. My career has been dedicated to helping our clients understand the impact of financial decisions, in both the long term and short term. I’m a graduate of The University of California, Chico with a BS in Business and an AA from Diablo Valley College. I enjoy spending time hiking, golf, watching Formula 1, playing bocce and drinking wine and gin & tonics. I follow the Boy Scout motto…Be Prepared. My wife Stephanie and I have four grown sons and we reside in Pleasant Hill, CA and Incline Village, NV.
Securities Agent: VA, UT, TX, SC, PA, OR, NV, NY, NM, NH, MN, MI, MD, OK, MA, ID, HI, GA, FL, DC, CO, TN, CA, CT, AZ, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1275661
CA Insurance License #: OB42256
NMLS#: 1275661
CA Insurance License #: OB42256
About Steven Cline
Steven Cline is a Financial Advisor for Morgan Stanley located in Walnut Creek, CA. Steven joined Morgan Stanley in 2022, to support and improve the family practice. His focus on continuous education and attention to detail drive his ability to help clients with everything from investing to intergenerational planning.
Steven attended Texas Christian University, graduating from the Neeley School of Business with a B.B.A. in Finance. He holds both a Series 7 General Securities License and a Series 66 Uniform Combined State Law License.
Born and raised in the East Bay Area, Steven now resides in San Francisco. When he isn’t working, Steven can be found reading, watching football, or playing a new song on his acoustic guitar.
Steven attended Texas Christian University, graduating from the Neeley School of Business with a B.B.A. in Finance. He holds both a Series 7 General Securities License and a Series 66 Uniform Combined State Law License.
Born and raised in the East Bay Area, Steven now resides in San Francisco. When he isn’t working, Steven can be found reading, watching football, or playing a new song on his acoustic guitar.
Securities Agent: CA, TN, NV, TX, OK, CT, WA, VA, NY, ID, FL, SC, MA, CO, AZ, NH, MD, HI, PA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2452729
NMLS#: 2452729
About Mariah Leal
Mariah Leal is a Client Service Associate for
Morgan Stanley located in Walnut Creek,
CA. Mariah joined Morgan Stanley in April
of 2022. Her high-level client experience,
attention to detail, organization and work
ethic are a great asset to this team.
Mariah graduated from University of Holy
Names, CA with a B.A in Sociology and a
minor in Forensic Psychology, while also
pursuing her dream of playing at a high
level of collegiate Volleyball.
Born and Raised in Northern California,
Mariah resides in Brentwood, CA. During
her off time, Mariah enjoys taking her 2
dogs (Pumpkin & Reen) to the dog park,
catching up on family time and vacationing.
Mariah’s newest venture is becoming a
first-time mom to her baby boy, Kade.
Morgan Stanley located in Walnut Creek,
CA. Mariah joined Morgan Stanley in April
of 2022. Her high-level client experience,
attention to detail, organization and work
ethic are a great asset to this team.
Mariah graduated from University of Holy
Names, CA with a B.A in Sociology and a
minor in Forensic Psychology, while also
pursuing her dream of playing at a high
level of collegiate Volleyball.
Born and Raised in Northern California,
Mariah resides in Brentwood, CA. During
her off time, Mariah enjoys taking her 2
dogs (Pumpkin & Reen) to the dog park,
catching up on family time and vacationing.
Mariah’s newest venture is becoming a
first-time mom to her baby boy, Kade.
Contact Eric R Cline
Contact Steven Cline
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Michelle Walsh
Private Banker
Cindy W. Lee
Private Banker
About Michelle Walsh
Michelle Walsh is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michelle began her career in financial services in 1983 and joined Morgan Stanley in 2020 as a Private Banker. Prior to joining the firm, she was a Structured Credit Executive at Merrill Lynch/Bank of America where she also served as a Wealth Management Banker. She previously served as a Regional Consumer Market Manager with BB&T Bank.
Michelle is a graduate of Shepherd University where she received a Bachelor of Science in Business Administration. She lives in Danville, CA with her family. Outside of the office, Michelle enjoys traveling with family and friends and volunteering for local food banks.
NMLS#: 637456
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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.
Ready to start a conversation? Contact The Cline Group 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.
2Alternative 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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. 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
2Alternative 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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. 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024)
