The Metro Bay Group

A founding partner of The Metro Bay Group with over 38 years of Wall Street experience, Alma Guimarin leads a bicoastal team focused on creating customized wealth management solutions for clients all over the world. Alma is a financial problem solver and believes strongly in the power of financial literacy and planning. Her goal is for all her clients to have a vision of what investing can do for them and their families.

Originally from the Netherlands, Alma grew up in Asia before attending Syracuse University, where she earned a high honors degree in economics. Following graduation, she moved to Luxembourg to work in the airlines business, which allowed her to travel the world and gain international business experience.

Alma moved back to the United States in 1986 to pursue her passion for financial planning. She began her career at Shearson Lehman Brothers, now Morgan Stanley, and has been a dedicated member of the firm for nearly 38 years. Over the course of her career, and thanks to the trust her clients have placed in her, Alma has been recognized as one of the top advisors in the business by Barron’s, Forbes and the Financial Times.*

Constantly seeking to expand the range and quality of advice she can offer her clients, Alma has earned multiple professional designations over her career, including as a Certified Financial Planner™ (CFP^®), Chartered Investment Management Advisor (CIMA^®), Certified Private Wealth Advisor (CPWA^®), Certified Equity Plan Advisor (CEPA^®) and Family Wealth Director.

Alma now splits her time between San Jose, California, and New York, with offices in both locations. When she’s not working, she enjoys cooking, reading, practicing yoga and downhill skiing with her family.



*Disclaimers:
Barron's Top 1,200 Financial Advisors: State-By-State (2023, 2022, 2021, 2020)
2020-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2020-2023). Data compiled by Barron's based on 12-month period concluding in September of the year prior to the issuance of the award.

Barron's Top 100 Women Financial Advisors (2022, 2021, 2020, 2019, 2018)
2022, 2021, 2020, 2019, 2018 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2022, 2021, 2020, 2019, 2018). Data compiled by Barron's based on 12-month period concluding in March of the year the award was issued.

2 Forbes Best-In-State Wealth Management Teams (2024, 2023)
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded January 2024, 2023). Data compiled by SHOOK Research LLC based on the 12-month period concluding in March of the year the award was issued.

Forbes America's Top Women Wealth Advisors Best-in-State (2024, 2023, 2022, 2021, 2020, 2019, 2018)
2024, 2023, 2022, 2021, 2020, 2019, 2018 Forbes America's Top Women Wealth Advisors and Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2024, 2023, 2022, 2021, 2020, 2019, 2018). Data compiled by SHOOK Research LLC based on 12-month period concluding in September of the year prior to the issuance of the award. Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State.

3 Financial Times Top 400 Financial Advisors (2020, 2019, 2018, 2017)
2020, 2019, 2018, 2017 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based on the following time periods:
Awarded 2020; data 6/30/16 - 6/30/19
Awarded 2019; data 6/30/15 - 6/30/18
Awarded 2018; data 6/30/15 - 6/30/17
Awarded 2017; data 9/30/14 - 9/30/16

Mary Agnes Pan is a 50-year Wall Street veteran with experience in Corporate, Commercial, Investment and Private Banking. She is currently a Managing Director at Morgan Stanley with The Metro Bay Group focusing on wealth management and financial planning strategies for high-net-worth individuals and families.

Mary started her career at Citibank in 1974 as a Corporate Banker and in 1979 became Head of the Commercial Banking Unit. She later joined Bankers Trust as Head of the World Corporate Department in Hong Kong serving multinational companies with operations in Asia.

In 1983, Mary joined Bank of America in Palo Alto focusing on lending for the high-tech industry in Silicon Valley. Mary and her family later moved to New Jersey where she spent a few years in Midlantic National Bank working on Mergers & Acquisition before rejoining Citibank's Private Bank to focus on custom lending strategies for high-net-worth clients.

In the early 90’s, Mary joined Republic National Bank and was instrumental in building the Private Banking Group into a major player in the private banking industry. Republic National Bank was later acquired by HSBC and Mary became the head of the Asia Client Group where she built a multi-billion portfolio.

In 2011, she rejoined Citi Private Bank to provide intricate strategies to ultra-high-net-worth families in investments, foreign exchange, capital markets and leveraged transactions.

She and her husband, Henry, have been active supporters of the 1990 Institute Spring Bud Program for last 15 years. This program has provided financial aid to over 1,000 underprivileged girls in Shaanxi Province, China helping them complete middle, high school and college degrees. Today, many are successful educators, doctors, lawyers, architects, pharmacists and engineers among other professionals.

Mary has also been on the board for Charles B. Wang Community Health Center for over 10 years and supported them in their expansion across New York. She and her husband now reside in Midtown Manhattan and enjoy spending time with family.

Trevor joined Morgan Stanley in June of 2015 and is an integral part of The Metro Bay Group. With his passion for financial planning, Trevor focuses on helping clients realize their financial goals through well thought out planning and guided decision making. Trevor’s goal is to help clients make correct financial decisions over time that will compound on themselves.

Clients enjoy working with Trevor because he is known for being generous with his time and making himself accessible when needed. He has a calm and patient demeanor that welcomes questions when clients desire more understanding of financial principles. While working with families, Trevor is happy to educate and include all members, especially maturing children of clients.

Trevor believes his continuing education and building of financial knowledge is one of the largest responsibilities he owes to his clients. Trevor has his Certified Financial Planner and Certified Investment Management Analyst designations, he also is a Chartered Alternative Investment Analyst. He earned a Bachelor’s degree from Boise State University, double majoring in Finance and Accounting. In 2022, 2023 and 2024, Trevor was named to the Forbes Top Next-Gen Wealth Advisors Best-In-State ranking.

Trevor enjoys the outdoors and can be found during his free time skiing in the Sierras, or mountain biking the Santa Cruz Mountains or hills of Almaden Valley. Trevor moved to Silicon Valley in 2013 to be with his then fiancée, now wife, Laurel. They live together with their two young kids, Everett and Aletta, and Golden doodle, Penny in Almaden Valley San Jose, California.

2024 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23–3/31/24.
Awards Disclosures

2023 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.

2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.

Kevin Tan brings years of experience in fixed income and equity analysis to the The Metro Bay Group. His background in analytics informs his balanced strategic planning approach, enabling him to identify services and solutions that contribute to precisely tailored, comprehensive financial plans.

Prior to joining Morgan Stanley, Kevin worked at the Stifel Financial Corporation for two years. In his prior role, Kevin served as the lead trader on the team helping construct and monitor client portfolios.

Kevin is a natural high achiever and goal setter with an unwavering work ethic. These traits propelled him to a bronze medal in men’s gymnastics for Team USA at the 2008 Olympic Games in Beijing.

Kevin graduated from The Pennsylvania State University with a degree in finance and a minor in economics. He currently lives in Fremont, California, with his wife and two young children.

Ara Talkov brings financial service experience, extensive training and a competitive mindset to The Metro Bay Group. Her primary focus is creating highly customized wealth management strategies for founders, corporate executives, and athletes.

As an Executive Financial Services Director and Workplace Advisor-Equity Compensation, Ara has extensive experience helping her tech clients and founders integrate their stock plan into a comprehensive wealth management plan. As a designated Global Sports and Entertainment Associate Director and a former collegiate athlete, she brings a unique perspective to the personal and professional financial planning needs of sports executives and athletes. Ara earned her bachelor’s degree at Columbia University, where she was a two-year captain for the Division I women’s basketball team.

In addition to her work with The Metro Bay Group, Ara is the Founder and Co-Chair of Morgan Stanley’s EDGE Committee, a diversity and inclusion initiative that seeks to achieve Excellence in Diversity through Growth and Empowerment for early-stage Financial Advisors. She is also the former Co-Chair of the College Leadership committee for Women in Wealth: LIFT, an advocacy and business development network of Morgan Stanley women from the northeast region dedicated to supporting peers who seek to achieve business success and realize meaningful connections with their clients. In 2022, Ara was recognized as the youngest woman to be named a Morgan Stanley MAKER, an initiative dedicated to celebrating men and women who are groundbreakers, innovators and champions of women’s achievements.

Outside of Morgan Stanley, Ara served on the NYC Young Professionals Board for Team IMPACT, a national nonprofit organization that connects children with chronic and terminal diseases to college sports teams. She was the Vice President of the Columbia University Athletics Finance Society and is involved in the Women’s Sports Foundation. Ara is also a Founding Member of The Post, a private leadership community formed to accelerate athletes' potential by providing world-class resources, networking and executive coaching designed to tap into their skills and mindset.

Ara grew up on the North Shore of Boston and now lives in Manhattan but travels frequently to meet clients where they are. She enjoys basketball, skiing and trying new restaurants.

Jack is a Financial Advisor with The Metro Bay Group at Morgan Stanley. As a Financial Advisor and Workplace Advisor - Equity Compensation, he focuses primarily on financial planning, asset allocation, equity compensation analysis, and alternative investments. In 2023, Jack obtained the Alternative Investment Analyst Charter (CAIA Charter) from the CAIA Association. This designation allows him to provide a higher level of service in the everchanging and complex Alternative Investment space to our clients.

Jack joined the team in 2021 as an associate, where he was responsible for managing the team's stock plan operations and servicing client needs. In addition to the CAIA, he currently holds the Series 7, Series 66, and Life Accident & Health insurance license.

Prior to joining Morgan Stanley, Jack spent two years at Paul McCoy Family Office Services in Boston where he provided operational and financial strategy for ultra-high net worth clientele. Jack graduated from Boston College in 2019 with a bachelor’s degree in Economics and Finance. At Boston College, he was President of the charitable club BC Hoops for Hope, played on the Club Baseball team, and was a member of the BC Investment Club.

Outside of work, Jack volunteers with Best Buddies of New York, and Big Brothers, Big Sisters of New York. He enjoys playing basketball and golf in his free time, as well as training in Brazilian Jiu-Jitsu.

As Group Director of The Metro Bay Group, Laurie Heinly is principally responsible for all of the team’s day-to-day team operations. Laurie leads a service team that handles client transactions, maintains client histories, manages account various systems issues and handles an extensive range of service requests. She also serves as the point of contact for clients who are professional fiduciaries, providing exceptional service for dozens of clients. Her familiarity with firm procedures and trust document requirements, coupled with meticulous attention to detail, has enabled her to build trusting and highly productive relations with these fiduciaries and their staffs.

Prior to joining Morgan Stanley, Laurie gained extensive experience in prior roles at Waterhouse Securities and Citigroup Global Markets. She received a B.S. in business administration with a concentration in finance from California State University, Fresno. She currently holds the Series 7, 8, 63, 65 licenses and her life and health insurance designations.

Laurie and her husband, Ken, have two sons, Andrew and Zachary.

Drawing on 25 years of experience at Morgan Stanley and predecessor firms, Scott Anderson contributes to an outstanding overall service experience for clients of The Metro Bay Group. As a Portfolio Associate, his primary responsibilities include opening and maintaining client accounts, managing asset/cash transfers, enrolling clients in online access, and performing various other administrative functions.

Scott is a graduate of California State University, Sacramento, with a B.A. in mathematics, and holds the Series 7 and 66 designations. Outside of work, Scott enjoys watching a multitude of sports and has a newfound interest in international travel.

Drawing on more than a decade of financial services industry experience, Jacqueline Lane is responsible for an extensive variety of team operations. Working with clients from coast to coast, Jacqueline cultivates and enhances new and existing clients through active communication, preparation of reports and other related services.

Prior to joining Morgan Stanley, Jacqueline spent 10 years at Merrill Lynch. Most recently, Jacqueline was a Business Enablement Specialist, assisting senior leadership in developing recommendations to improve the overall experience for both Financial Advisors and clients. In addition, Jacqueline was also responsible for identifying key risk trends and handling client resolutions. Before her current position, Jacqueline was the Senior Market Supervision Manager’s Assistant. In this role, she was responsible for supporting all functions related to risk, legal and compliance items.

Jacqueline graduated from Fordham University, where she earned a degree in business administration, with concentrations in finance and marketing. Originally from Long Island, New York, Jacqueline now resides in Hoboken, New Jersey, where she enjoys traveling, reading, and spending time with friends and family.

Contributing to an outstanding overall service experience for the team’s clients, Riley Marshall is responsible for an extensive variety of operations for New York- and California-based clients. Riley brings an energetic, positive demeanor to his work, whether assisting with scheduling, creating and delivering client performance reports, or performing other duties.

Riley started his career at Morgan Stanley as an intern in the Seattle offices in 2022. He graduated from the University of Washington in an accelerated program with a Bachelor of Science degree in economics and a minor in history. After receiving a certificate in quantitative managerial economics, Riley ventured to Dallas, where he became the top-ranked salesman in AT&T’s B2B Sales Development Program.

Once the program was complete, Riley moved to San Jose to join The Metro Bay Group. He hit the ground running, completing all three exams to become registered in a record three months and three days. These exams included the SIE, Series 7 and Series 66, which enabled him to begin working on tasks that were more instrumental to the team.

Outside of work, Riley enjoys continuing his 14 years of tap dance education as both a student and teacher. Riley is a board member for the National Dance Education Organization as well as an Eagle Scout. He enjoys solving Rubik’s cubes, practicing advanced yo-yo tricks and competing in video game tournaments.

Jonathan joined The Metro Bay Group in June 2024. He is responsible for a multitude of team operations, enhancing our client experience through active communication, essential back-office operations, and providing general guidance.

Jonathan earned a master's degree in Business Analytics from Columbia University in 2024. He also holds undergraduate degrees from Emory University and the Georgia Institute of Technology with dual degrees in Economics and Mathematics, and Mechanical Engineering.

Before joining Morgan Stanley, Jonathan gained valuable experience through various summer analyst positions at startup companies and banks. He holds the Series 7 and 66 designations.

Originally from Seattle, Washington, Jonathan now resides in Long Island City, NY. Outside of work, he enjoys tennis, skiing, and spending time with family and friends.