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Strategies That Encompass Both Sides of Your Balance Sheet

No decision about wealth should be made in isolation. How you borrow and manage your cash can be as important to the success of your wealth plan as having an appropriate investment strategy.

At Morgan Stanley Wealth Management, you have access to private banking solutions shaped through the lens of wealth management needs. A Private Banker* can work with your Financial Advisor to look at your net worth, assets, loan balances and lines of credit, cash flow and potential liquidity sources in the context of what you want to acquire and achieve.

Together, you can work on the following:

  • Unlock the value of your portfolio. Leverage the assets you already own—your home, your investment portfolio, your business—to make new things possible.
  • Evaluate the true cost of liquidating assets. You may find it makes more financial sense to explore borrowing and cash management strategies.
  • Understand the complexities of risk. In managing wealth, risk and reward must be carefully balanced.
  • Optimize your cash flow. Gain flexible access to funds when opportunities arise.

Liquidity Solutions

A Financial Advisor can provide tailored solutions to meet all your borrowing needs.

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One simple way to diversify your cash: Buy, hold and sell major currencies from the convenience of your brokerage account.

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Active Asset Account®

This account offers a robust suite of cash management features, providing the flexibility and functionality you need.

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Bank Deposit Program

Choose to have available cash balances swept into interest bearing, FDIC-insured deposit accounts at up to three of MSSB's affiliated banks.

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* Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.

Investments and services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Morgan Stanley Smith Barney LLC ("Morgan Stanley Wealth Management"), is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Wealth Management has entered into arrangements with banks, including Morgan Stanley Private Bank, National Association and Morgan Stanley Bank, N.A., as well as other affiliates or third parties to assist in offering certain banking related products and services. Morgan Stanley Private Bank, National Association and Morgan Stanley Bank, N.A. members FDIC, are national banks and depository institutions regulated by the Office of the Comptroller of the Currency.

Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Wealth Management are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested.

All loans are subject to application and approval. All loans are subject to credit approval. The information contained herein should not be construed as a commitment to lend.


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