Morgan Stanley
46yrs
Top advisor by experience in San Mateo
35yrs
Stephen Lo
Financial advisor at Morgan Stanley
Based in San Mateo, California, Stephen Lo is a fiduciary financial advisor with 35 years of industry experience. Stephen has been with Morgan Stanley since 2025; before that, Stephen spent 15 years at Wells Fargo Advisors and two years at Wells Fargo Investments. Stephen holds the CFP® designation.
One of 354 advisors with offices in San Mateo, and one of 321 fiduciaries.
At a glance
Experience35 years (since 1991)
How that compares ?Top 8% by experience in San Mateo
Office411 Borel Avenue Suite 220, San Mateo, CA 94402
FirmMorgan Stanley
How the firm is paid ?Percent of assets, Flat fee, Commissions, Performance fee, Other
Typical client at the firm ?$670,481
Advisors at the firm23,156
States licensed ?1 state
Services through Morgan Stanley
Financial planningInvestment management for individuals and small businessesManaging mutual fundsInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Designations
CFP®
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- Oct 2025 – nowMorgan StanleyCurrent firm
- 2011 – 2025Wells Fargo Clearing Services, LLCPreviously
- 2008 – 2011Wells Fargo Investments, LLCPreviously
- Jun 2007 – Aug 2008Wamu Investments, Inc.Previously
- Mar 2004 – Feb 2006MerrillPreviously
- 1999 – 2004Charles Schwab & CO., Inc.Previously
Contact Stephen
411 Borel Avenue Suite 220San Mateo, CA 94402Office · Get directions Firm main line(914) 225-5510Headquarters: Morgan Stanley · Purchase, NY Firm websitewww.morganstanley.com
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Questions to ask Stephen
Tailored to Stephen’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- Your firm can charge performance-based fees. Would that apply to me?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
My notes and scorecard
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About Stephen
How do I contact Stephen?
Call Morgan Stanley at (914) 225-5510 and ask for Stephen Lo. Stephen works from the San Mateo, CA office.
How long has Stephen been a financial advisor?
Stephen has been in the industry since 1991, about 35 years. Top 8% by experience in San Mateo.
What licenses does Stephen hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is Stephen a fiduciary?
Stephen is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Stephen paid?
Morgan Stanley reports being paid by a percentage of the assets they manage, flat or fixed fees, commissions on some products, a share of investment gains, other fees. Ask Stephen for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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