Bella Hampton, CFP®
Vice President, Financial Planning Director
Viji Kumarasamy, M.B.A.
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(210) 242-6357(210) 242-6357
Toll-Free:
(800) 733-3041(800) 733-3041
My Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Core Values
Do the Right Thing
Put Clients First
Lead with Exceptional Ideas
Commit to Diversity and Inclusion
Give Back
Our Core Values
Do the Right Thing
Put Clients First
Lead with Exceptional Ideas
Commit to Diversity and Inclusion
Give Back
My Story and Services
As a Financial Advisor at Morgan Stanley, I work with families to review the full picture of their financial lives—helping identify strategies, uncover opportunities, and address potential blind spots so they can move forward with greater clarity and confidence.
My approach is shaped by a personal commitment to wellness. As an avid Les Mills fitness enthusiast, I bring the same principles I value in training—discipline, endurance, patience, and consistency—to the financial guidance I provide. Supported by the resources of Morgan Stanley, I help clients pursue the goals that matter most to them.
I earned my MBA from St. Edward’s University and later completed my Series 7 registration as I committed my career to helping others plan for their financial futures. I’ve also been influenced by a family legacy of service and entrepreneurship: my father was an oncologist and medical faculty member who devoted himself to caring for patients and mentoring residents, and my maternal grandfather founded a business in 1939 that grew into one of the largest privately held groups of companies in Sri Lanka.
Born in Sri Lanka, I moved to the United States as a child in 1972 when my father joined the hospital and faculty at the University of North Carolina. After living in several parts of the country, I developed a deep connection to Texas and have called San Antonio home since 1998, when I joined Smith Barney, a legacy firm that is now part of Morgan Stanley.
Outside of the office, I enjoy traveling, testing new recipes at home, attending live music and theater, and exploring new wines. I’m grateful for the values passed down through my family, and I cherish time with my loved ones—and the companionship of our pets.
My approach is shaped by a personal commitment to wellness. As an avid Les Mills fitness enthusiast, I bring the same principles I value in training—discipline, endurance, patience, and consistency—to the financial guidance I provide. Supported by the resources of Morgan Stanley, I help clients pursue the goals that matter most to them.
I earned my MBA from St. Edward’s University and later completed my Series 7 registration as I committed my career to helping others plan for their financial futures. I’ve also been influenced by a family legacy of service and entrepreneurship: my father was an oncologist and medical faculty member who devoted himself to caring for patients and mentoring residents, and my maternal grandfather founded a business in 1939 that grew into one of the largest privately held groups of companies in Sri Lanka.
Born in Sri Lanka, I moved to the United States as a child in 1972 when my father joined the hospital and faculty at the University of North Carolina. After living in several parts of the country, I developed a deep connection to Texas and have called San Antonio home since 1998, when I joined Smith Barney, a legacy firm that is now part of Morgan Stanley.
Outside of the office, I enjoy traveling, testing new recipes at home, attending live music and theater, and exploring new wines. I’m grateful for the values passed down through my family, and I cherish time with my loved ones—and the companionship of our pets.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Access to Lending Services
- Alternative InvestmentsFootnote4
- Corporate Cash Management
- Corporate Retirement PlansFootnote5
- Education Planning
- Fixed IncomeFootnote6
- Insurance ServicesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Trust Services and Accounting
Securities Agent: CO, FL, WA, VA, CT, NY, IL, CA, NC, MD, MA, TX, IN, DC, OH, MN, PA, TN, NV, NM, NJ, MI, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1288194
NMLS#: 1288194
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Clients
We are here to help our clients make confident decisions and simplify their day-to-day finances, so they are free to focus on their families, businesses and charitable endeavors. We are proud of the strategies we deliver to our clients and although the financial world may be dynamic, our values and standard of excellence remain unwavering.
I work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The strategies I recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
I am here to help you make informed decisions on any financial issue you face.
I work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The strategies I recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
I am here to help you make informed decisions on any financial issue you face.
My Clients
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Entrepreneurs
- Executives
- Business Owners
- Family Offices
- Referrals from existing clients
Financial Planning
I am committed to providing a holistic approach to financial planning to successful executives, business owners and affluent families living in San Antonio and across the country.
We take a holistic approach with a focus on understanding our clients’ personal and financial goals, family dynamics, balance sheet needs and philanthropic activities. This approach enables us to advise our clients broadly and cohesively across many aspects of their lives.
As your family’s Financial Advisor, we help review all aspects of your financial life. Your plan will be customized and carefully structured to navigate ever-changing markets. We provide the personalized service like a small investment boutique yet are backed by the resources of a major global firm. We will help develop a plan to enjoy a comfortable retirement, approach major life transitions with confidence, and leave a lasting legacy for future generations.
We take a holistic approach with a focus on understanding our clients’ personal and financial goals, family dynamics, balance sheet needs and philanthropic activities. This approach enables us to advise our clients broadly and cohesively across many aspects of their lives.
As your family’s Financial Advisor, we help review all aspects of your financial life. Your plan will be customized and carefully structured to navigate ever-changing markets. We provide the personalized service like a small investment boutique yet are backed by the resources of a major global firm. We will help develop a plan to enjoy a comfortable retirement, approach major life transitions with confidence, and leave a lasting legacy for future generations.
Discover
• Identify goals
• Specify personal and financial values
• Clarify family situation
• Establish risk tolerance
• Specify personal and financial values
• Clarify family situation
• Establish risk tolerance
Analysis and Recommendations
• Identify current risks and liabilities
• Determine action plans for all wealth objectives, such as growth, preservation and/or transfer
• Coordinate with outside advisors around a comprehensive wealth plan
• Create asset allocation strategy
• Recommend investment portfolio
Disclosure:
Asset Allocation or Diversification does not guarantee a profit or protect against loss in a declining financial market.
• Determine action plans for all wealth objectives, such as growth, preservation and/or transfer
• Coordinate with outside advisors around a comprehensive wealth plan
• Create asset allocation strategy
• Recommend investment portfolio
Disclosure:
Asset Allocation or Diversification does not guarantee a profit or protect against loss in a declining financial market.
Implementation
• Help Establish trusts
• Create philanthropy strategy
• Articulate family mission statement
• Execute asset management tactics
• Create philanthropy strategy
• Articulate family mission statement
• Execute asset management tactics
Monitoring
• Track progress toward stated goals
• Set/follow guidelines for liquidity and asset allocation
• Performance reporting
• Online access
• Rebalance portfolio to maintain allocation strategy
• Measure performance against established benchmarks and adjust as appropriate
• Set/follow guidelines for liquidity and asset allocation
• Performance reporting
• Online access
• Rebalance portfolio to maintain allocation strategy
• Measure performance against established benchmarks and adjust as appropriate
Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than before. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, potentially resulting in better service and more well-rounded advice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Click Here to Learn More
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get started today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use with my clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
Click Here to Learn More
Aladdin - Intelligent Risk Management
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Click Here to Learn MoreOutlook & Updates
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. I am a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Disclosure:
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend model portfolio weightings, as well as produce a suite of strategy, analysis, commentary, portfolio positioning suggestions and other reports and broadcasts.
Read The Latest ReportDisclosure:
The Global Investment Committee is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients. They continually monitor developing economic and market conditions, review tactical outlooks and recommend model portfolio weightings, as well as produce a suite of strategy, analysis, commentary, portfolio positioning suggestions and other reports and broadcasts.
On The Markets 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 ReportClient Service Team
Michelle McCorkle - Portfolio Associate
Phone:
(210) 271-6167(210) 271-6167
Email:Michelle.M.Mccorkle@morganstanley.com
William M. Curran IV - First Vice President, Private Banker
Phone:
(210) 366-6658(210) 366-6658
Email:William.M.Curran@morganstanley.com
NMLS#: 797351
Location
7600 Broadway
Ste 100
San Antonio, TX 78209
US
Direct:
(210) 242-6357(210) 242-6357
Toll-Free:
(800) 733-3041(800) 733-3041
Fax:
(210) 787-2076(210) 787-2076
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Bella Hampton, CFP®
Bella Hampton, CFP®, serves as a vice president, financial planning director, supporting Morgan Stanley Wealth Management offices across San Antonio, Austin, Rockport, College Station, Kerrville, Midland, Abilene, Lubbock, and Amarillo, Texas. In her role, she partners closely with financial advisors to deliver comprehensive planning strategies that enhance client relationships, deepen engagement, and support long-term financial success.
Bella joined Morgan Stanley in February 2025. She began her career at USAA in 2015, where she advanced to senior wealth advisor and earned the prestigious President’s Award for Excellence. She later joined Charles Schwab as a financial consultant, managing more than $1.2 billion in client assets, leading complex wealth-planning conversations, and receiving the 2023 Schwab Founder’s Award for exceptional client service.
She earned her Bachelor of Business Administration in finance from the University of Texas at San Antonio in May 2011 and her Master of Science in personal financial planning from Texas Tech University in May 2026. Bella is a CERTIFIED FINANCIAL PLANNER™ professional and maintains FINRA Series 7, 63, and 65 licenses, as well as Life & Health Insurance credentials.
Outside of her professional career, Bella enjoys spending time outdoors with her family. She has a passion for travel, which allows her to explore new cultures and perspectives, and she finds joy in photography as a creative outlet to capture meaningful moments along the way.
Bella joined Morgan Stanley in February 2025. She began her career at USAA in 2015, where she advanced to senior wealth advisor and earned the prestigious President’s Award for Excellence. She later joined Charles Schwab as a financial consultant, managing more than $1.2 billion in client assets, leading complex wealth-planning conversations, and receiving the 2023 Schwab Founder’s Award for exceptional client service.
She earned her Bachelor of Business Administration in finance from the University of Texas at San Antonio in May 2011 and her Master of Science in personal financial planning from Texas Tech University in May 2026. Bella is a CERTIFIED FINANCIAL PLANNER™ professional and maintains FINRA Series 7, 63, and 65 licenses, as well as Life & Health Insurance credentials.
Outside of her professional career, Bella enjoys spending time outdoors with her family. She has a passion for travel, which allows her to explore new cultures and perspectives, and she finds joy in photography as a creative outlet to capture meaningful moments along the way.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
Article Image
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
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
Ready to start a conversation? Contact Viji Kumarasamy, M.B.A. today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
