Morgan Stanley

Your Guide to Tax-Efficient Planning

The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.

Spotlight: What is Total Tax 365?

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Make Your Investments More Tax-Efficient

Tax-efficient investing techniques may help you lower your tax burden and grow your wealth. Using Morgan Stanley’s Total Tax 365 approach may help you:

Save on Taxes

Tax-smart investing and withdrawal strategies can help you mitigate exposure to current taxes in your portfolio and keep more of what you’ve earned.

Build More Wealth

Even small reductions in your tax costs today can have a big impact on the amount of wealth you’re able to build over time and how quickly you build it.

Maximize Your Giving

Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐smart techniques to help make your giving go further.

Build a More Tax-Efficient Portfolio.  

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Lessen the Tax Bite on Your Retirement

Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg. These ideas may help.
Help Keep More of What You’ve Saved for Retirement. 

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Maximize the Impact of Your Giving

Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further. Learn more here.
Maximize Your Tax-Efficient Giving. 

Find a Morgan Stanley Financial Advisor Who Can Help.

 

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Tax Rates & Dates

Understanding the latest tax rates and dates can help you prepare and stay on track throughout the year.

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September 15

Individual – Q3 2022 estimated tax payment due.

October 17

Individual – Final deadline to file 2021 Tax Return (if extension timely filed)

December 30

Last day to take Required Minimum Distributions (RMDs) for 2022 unless 2022 is the participant's first distribution calendar year

Disclosures

This material is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. It has been prepared for informational purposes only. It 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”) recommends that investors independently evaluate particular

investments and strategies and encourages investors to seek the advice of a Morgan Stanley Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

 

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.

When 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.

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