Theresa Morrison, CFP®

About Theresa Morrison, CFP®

Georgetown University: Financial Planning
University of Arizona: Economics
University of Cape Town: Financial Management

Decades of financial experience and life lessons.

Seasoned, early-employee at startup merchant bank. Head of Treasury Corporate Lending. Developed interest rate swaps and derivatives. Led a unique corporate finance private equity capital raise. Did a stint in International tax structuring.

Founder of a national fine wine import/distribution company, and later sold.

Avid hiker. Painter of large scale mixed media. Author. Wine pro. Curious investigator of all-things “future.”

Matt Faubion, CFP®

About Matt Faubion, CFP®

Serving others is at the core of why Matt loves being a wealth manager. By working closely with individuals and families, Matt enjoys getting to know his clients on a personal level and helping them make better financial decisions as their lives evolve. With a natural curiosity in money, markets, public policy, and business, Matt is always seeking to expand his understanding within these areas. He regularly applies newfound knowledge to create robust wealth plans and investment strategies that improve his clients’ financial health.

Matt founded Faubion Wealth Management (FWM) to serve the next generation of wealth generators with the thorough and extensive standard that he believes is required of the position. The firm stays true to its objective approach, by only providing clients with fiduciary advice that is in their best interest. In doing so, FWM designs strategies that are diligently and custom built, given our in-depth process to get to know you, your financial portrait, and the goals that set you apart.

Matt began his career as a Wealth Advisor Associate with a boutique wealth management firm in San Francisco. He was a team leader in advancing the firm’s wealth management platform, which specialized in working with high-net-worth technology entrepreneurs. During his time at the firm, he became a CERTIFIED FINANCIAL PLANNER™ professional and was promoted to Senior Wealth Manager. He later joined a nationally recognized financial planning and wealth management firm in Walnut Creek, CA and worked with their Barron’s top 100 independent advisor founder. Additionally, he passed the level 1 exam of the Chartered Financial Analyst designation. And before founding FWM, he was a Wealth Strategist and Partner at a start-up wealth management firm in San Francisco.

A Bay Area native, Matt grew up in Pleasanton, and he currently lives in Walnut Creek with his wife. Coming with the territory, he loves following the 49ers, Sharks, Warriors, and Giants. Outside of work, Matt enjoys volunteering and giving back to his community. He is an avid lover of all kinds of music, from classic rock to EDM, and is currently learning the guitar. Matt also enjoys long walks with his wife, spending time with family, reading, traveling, exercising—and all of the great outdoor activities the Golden State has to offer.

Read Matt’s blog here: https://faubionwm.com/blog

Jirayr Kembikian, CFP®

About Jirayr Kembikian, CFP®

Jirayr started his career with one of the nation’s largest banks, where he repeatedly witnessed the enduring impact of a solid financial plan on clients’ success. This led him to pursue a career as a financial planner with a mission to provide all clients with a financial roadmap and professional guidance in order to help them reach their full potential.

Prior to joining Citrine Capital, Jirayr was a financial planner at Ameritas Investment Corporation where he helped hundreds of individuals, families, and small businesses develop a financial plan and work towards their financial goals.

Today, Jirayr is a managing partner and wealth advisor at Citrine Capital, where he serves as an Investment Advisor Representative (IAR) and a CERTIFIED FINANCIAL PLANNER™ (CFP®).

Jirayr holds a degree in finance from San Francisco State University. Born and raised in Marin County, he is an active community and board member in local service organizations. He is passionate about his active lifestyle including sports, mountain biking, hiking, photography and international travel.

Russell Kroeger, CFP®, EA

About Russell Kroeger, CFP®, EA

Upstart Wealth is the place where professionals with equity compensation and tax planning complexity come to have a digital wealth planning experience with a human touch. Our clients are smart, hard-working professionals who value their time and collaborative relationships with skilled professionals. They outsource the complexity of their financial lives, so they can make informed decisions and use their resources intentionally. Understanding where they are and how to move forward, our clients can focus their time and energy on living a life that makes them proud of who they are.

Our client-centric approach fosters long-term relationships by creating space for conversations and brainstorming that our clients may not otherwise have. Anchoring every conversation and analysis to what is most important means that clients understand the trade-offs implicit in their life decisions – from both a quantitative and qualitative perspective.

We are accessible for check-ins meetings for important conversations as our clients experience life transitions, and we proactively reach out to discuss planning strategies to ensure their financial resources are in alignment with the life they want to live.

Our clients value our relationship mostly because we don’t tell them what to do or make value judgments. We trust clients to be the experts of their own lives. We simply marry their expertise with our expertise in the finance and tax landscapes to co-create a future that is meaningful. A future that empowers clients to explore their best lives with optimism and a sense of subjective well-being.

To further support our clients’ lives, Upstart is a one-stop solution for personal finances. All our clients receive our comprehensive service offering which includes Financial Planning, Investment Management, Tax Planning, and Tax Return Preparation.

Financial Planning
Each client gets our comprehensive financial planning offering within the context of their unique situation. We help our clients organize their financial picture, so they are aware of where they stand (Point A) and where their financial decisions are leading them (Point B). The space afforded to dream about the future without expectations allows clients to orient in the direction that best suits their vision. We then help clients expand their horizon by setting the frame for the future they want to experience (Point C).

Investment Management
Each client has portfolios structured in service of the life they want to experience. Using an evidence-based approach, we provide clients the building blocks necessary to meet their short-term commitments while also bridging the gap between their current resources and what will be necessary to secure opportunities in the mid and long-term. We support clients’ vision for their future by aiming for market returns over the long-term while adding additional value by doing so as efficiently as possible.

Tax Planning and Return Prep
In addition to tax preparation services, each client gets one or two tax projections each year based on need. The tax projections increase resource efficiency as clients understand how much they should allocate toward tax payments with enough notice to plan accordingly. Proactively running projections also identifies opportunities to take advantage of tax law and increases our clients’ after-tax wealth over time.