Luciana Carmelino
My Mission Statement
My Story and Services
Women & First-Generation Wealth
Designed for women and first-generation wealth creators who are navigating money with little prior family financial infrastructure. This includes inheritance, liquidity events, career growth, and building generational wealth for the first time — with a culturally aware and education first approach.
Armed with education and a plan, women can feel more confident about their financial goals and how they'll achieve them.
With a deep understanding of the demands on women at each stage of their life, Morgan Stanley can provide you with personalized financial guidance to help you plan toward your most important goals. We handle the complexities of wealth management for you with the same care you apply to the most important people and aspects of your life.
Life’s challenges are also opportunities
Life doesn't always give us a neat timeline. Major transitions — whether planned or unexpected — can create uncertainty, stress, and important financial decisions. During these moments, having a trusted financial advisor can help turn complexity into confidence.
If you're facing any of the situations below, this is a great time to reach out.
Whether you're stepping into a new phase of your career or navigating a major personal change, I am here to help you realign your financial strategy so your money supports where life is taking you.
Whether you recieved an inheritance, trust distribution, or sudden increase in assets, coming into wealth can feel overwhelming. I am here to help you take a thoughtful, strategic approach so you can honor what you've received while building a strong future.
Entrepreneurs and business owners face unique financial challenges. I am here to help integrate your personal and business finances so they work together — not against each other.
High income doesn't always mean simple finances. From complex compensation to long hours, healthcare professionals benefit from a coordinated financial strategy.
Family transitions can be emotionally and financially complex. My role is to help bring structure and clarity to financial decisions during times of change.
Whether retirement is approaching or already here, planning for income, longevity, and lifestyle is essential.
You have assets, income, or complexity — but no clear strategy. Even without a specific life event, many people reach a point where they want a clearer plan and a trusted partner.
A business sale is one of the most significant financial moments in your life. Planning before and after the transaction can make a meaningful difference in your long-term outcome.
Build wealth with confidence—one decision at a time.
Whether you're starting your first job, receiving equity compensation, or simply ready to get more intentional with your finances, this hub brings together clear, practical resources to help you make informed choices. Explore some of the resources I have provided below, and please don't hesitate to reach out with any ways I may assist you.
Most people borrow during the course of their lives. But it's important to be as strategic about borrowing as you are with the other areas of your financial life.
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
In hot housing markets, cash can help you get what you want. There are strategies that can help you make an all-cash offer.
Morgan Stanley can help businesses manage their institutional assets and employee financial benefits. Whether you are looking for stock plan services, retirement plans consulting, deferred compensation services or cash management consulting for your employees, our integrated approach delivers impactful solutions that align with your business objectives.
There are a variety of options to paying your tax bill. Learn some of the pros and cons for each.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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 and other legal matters.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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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.
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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.
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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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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