Meet the Team

Cliff M. Robello, CFP^®, ChFC

Chief Executive and Senior Advisor

Cliff is president and founder of CMR Financial Advisors and leads a team focused on investment management and retirement income planning. Cliff began CMR with a simple but powerful philosophy: “The best interest of the client is the only interest that matters.”

Cliff serves a diverse client base, primarily focusing on retirement planning. Although each person only retires once, he has helped clients through the process hundreds of times.

Born and raised in Kahului, Maui, Cliff graduated from Baldwin High School and earned a bachelor’s degree in economics from the University of Hawaii at Manoa. He began working in financial services in 1987. He is a Certified Financial Planner^® professional and Charter Financial Consultant^®.

Cliff is a member of the Financial Planning Association^® and the Hawaii Estate Planning Council. He is the former chair of the Board of Trustees for the Friends of Library Hawaii.

Cliff and his wife, Michelle, have two children, Stephen and Sheri; and six grandchildren, Kainoa, Kekoa, Makana, Zeke, Zaia, and Zade.

Margaret Howser

Director of Client Relationships

Margaret joined CMR Financial Advisors in 2003. She has worked in the financial services industry since 2000, beginning her career with ING. She exudes CMR’s Core Value of Genuine Care. She believes every client deserves nothing less than outstanding service and care. She truly is “Miss Aloha” of CMR.

Originally from Honolulu, she now resides in Kapolei with her husband, Ty. Margaret has three children Alana, Makana, Alohi, and four granddaughters, Baylee-Raine, Haidyn-Marie, Jordyn-Rae, and Beige-Rylee.

Sheri Cabral

Lead Administrative Financial Professional

Sheri started with CMR Financial Advisors in 2003 while still in high school. She is a graduate of Mid Pacific Institute and earned a bachelor’s degree in finance and entrepreneurial studies from Hawaii Pacific University. She holds the FINRA Series 7 license.

Sheri currently assists senior advisors with financial plans, portfolio management, client meetings, and account servicing. Sheri also oversees the firm’s operations.

Sheri lives in Kailua with her husband, Zane, and children Zeke, Zaia and Zade.

Zane Cabral

Client Service Specialist II

Zane started with CMR Financial Advisors in April 2018. Zane has a wealth of experience working under pressure. Having worked in security for several hotels in Hawaii, Zane is passionate about servicing our clients with the highest standards. He is working toward becoming licensed.

Zane and his wife, Sheri, have three children, Zeke, Zaia, and Zade. In his free time, he loves to play basketball and practice martial arts.

Roxanne Raquadan

Registered Client Service Specialist III

Roxanne joined CMR Financial Advisors in 2017. She has been in the financial industry since 2000, where she began her career at Voya, formerly known as ING. While at Voya, she was responsible for servicing the City and County of Honolulu employees with their Deferred Compensation plan accounts. She currently holds FINRA Series 6 and 63 licenses.

Roxanne has two daughters, six grandsons, and two granddaughter and loves spending all her free time with them.