INSIGHTS GROUNDED IN EXPERIENCE

Since beginning his career in 1998, Luis has enjoyed witnessing his clients grow their wealth and achieve their goals through his guidance and approach to managing their assets. At the center of his team’s client service model is developing a full understanding of their goals, both financially and personally. Regardless of where they want to go or what they want to do, Luis and his team make every effort to help them reach their station in life. An earnest man, Luis lives by the old C.S. Lewis quote, “Integrity is doing the right thing, even when no one is watching.” Being part of the success of his clients is a privilege he does not take lightly. Luis and his team ensure not only are the plans for their clients clear and free of industry jargon, but also that their recommendations are explained with every possible option considered. With this approach, Luis and his team empower their clients to take charge of their plan so they’re able to rest easy knowing that their wealth is consistently managed in their best interests.

A graduate of the University of The Incarnate Word, Luis’s commitment to putting his clients first derives from the misfortune his own parents experienced when he was younger. The sense of hopelessness he felt was something he never wanted to feel again. To this day, Luis works tirelessly to ensure his clients and their families are always up to date on their progress, so no matter what happens, they’re able to make the right decisions. One of Luis’s favorite aspects of his role has been the many lifelong relationships he’s been able to foster with his clients. He truly wants to have a relationship with them. To know their family and for his clients to know about his in return.

A native Texan, Luis, and his wife of 18 years were born and raised in San Antonio. Luis is immensely proud of the growth the city has experienced over the past few years and is excited about where it’s headed. Outside of work, Luis and his family enjoy traveling to new places and cheering on the Spurs! Luis leads an active life through exercise and bike rides on the city’s Mission Trail. In addition to his volunteer work with his local church, Luis is an advocate for education supporting the Rey Feo Consejo Education Foundation, which focuses on fundraising for student scholarships in the San Antonio area.
Services Include
Securities Agent: CA, AK, NV, WA, TN, NM, MS, MO, GA, OK, FL, MI, AR, OH, CO, TX, NY; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

PLAN WITH CONFIDENCE

One of my goals is to help my clients navigate different life events. Below you will find some initial materials covering three key milestones that you might face.

    Icon Image
    Retirement Planning

    The decisions you make about your workplace retirement plan can benefit you for years to come. I will help you understand and put your resources to work, so you can plan, invest, and transition to retirement with confidence.

    Learn more
    Icon Image
    Financial Planning After Divorce or Death

    Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

    Learn more
    Icon Image
    Education Planning

    With education costs rising, paying for college has become a major life expense that requires smart planning. I can help you plan for these expenses without derailing your long-term objectives.

    Learn more

CREATE A PLAN TO PROTECT YOUR WEALTH AND YOUR HEIRS

Discussing money and the transfer of assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be an arduous process for the people you love. Below are resources to help you prepare:

EVERYTHING YOU NEED, ALL IN ONE PLACE

As a Morgan Stanley client, you have access to a suite of digital tools and resources aimed at helping you manage your finances with greater ease.

    Icon Image
    Morgan Stanley Online

    Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.

    View Account
    Icon Image
    Spending and Budgeting Tool

    Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.

    Tool Access
    Icon Image
    Total Wealth View

    View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you will benefit from more informed wealth planning, secure data access and convenient connectivity.

    Access Total Wealth View
    Icon Image
    Digital Vault

    Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.

    Vault Access
    Icon Image
    eDelivery

    eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.

    Enroll in eDelivery

INVESTMENT INSIGHT FROM MY DESK TO YOURS

It has never been more important to have a financial plan in place to get you to where you want to be. To help stay up to date on the broader economy as well as with personal finance best practices, I have provided some resources below to help you to get started.

    Icon Image
    Thoughts On the Market Podcast

    Join Mike Wilson, Chief Investment Officer, and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.

    Listen to the Latest Episode
    Icon Image
    On The Markets Research Report

    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.

    Read the Latest
    Icon Image
    What Should I Do with My Money Podcast?

    Is now the right time to buy a house? What to do if your business fails? How should I be saving to cover the cost of college? Join us as our guests share their stories around life's major moments. And hear the difference a conversation can make.

    Listen to the Latest Episode
    Icon Image
    Your Life, Your Wealth: Planning for Your Financial Future

    Your financial goals and priorities will shift with time. To help prepare for the road ahead, ask yourself what matters to you and your family long term.

    Learn More

Location

7600 Broadway
Ste 100
San Antonio, TX 78209
US
Direct:
(210) 271-6150(210) 271-6150

Meet My Team

Wealth Management
Global Investment Office

Portfolio Insights

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Article Image

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Article Image

2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Taking Control of Your Finances After Death of a Spouse
Article Image

Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Luis Hernandez today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

Back to top



2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

Back to top



3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals 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.

Back to top



4Morgan 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.

Back to top



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 and other legal matters.

Back to top



Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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.

Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

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.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)