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Total Tax 365 | Tax-Efficient Investing |

Tax Strategies for Retirement | Tax-Smart Giving

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3 Tax Questions Every Investor Should Ask

Factoring the impact of taxes into your portfolio and planning decisions can help you to keep more of your hard-earned money.

Learn More

Wealth Management

Tax-Loss Harvesting Can Work Year-Round for Investors—Here’s How

What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?

Wealth Management

How Direct Indexing Can Offer Investors Potential Tax Savings and Flexibility

Learn more about the potential advantages of a direct indexing strategy and how it can help you meet your financial goals.

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.

Wealth Management

THESE STEPS MAY REDUCE TAXES ON INVESTMENTS

A key strategy for boosting long-term investment returns is being smart about tax efficiency.

Wealth Management

Making the Most of Your Retirement Savings

Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.

Wealth Management

Tax Manage Your Investments

Establishing a tax management strategy for your investments may help you keep more of your returns.

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.

Wealth Management

When Should You Take Social Security?

Deciding when to claim Social Security may have a significant effect on your retirement income. Learn how to help maximize your benefits.

Wealth Management

You’re Ready for Retirement. Is Your Portfolio?

Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.

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.

Wealth Management

CONSIDER TAX-SAVVY WAYS TO HELP THE CAUSES AND PEOPLE YOU CARE FOR

If you’re inclined to help others, consider these tips to potentially enhance your impact.

Wealth Management

529s: A Smart Investment for the Future

A 529 plan is a tax-advantaged way to invest for future education expenses while achieving other life goals.

Wealth Management

THINK ABOUT GIVING BACK WITH A DONOR ADVISED FUND

Using a donor advised fund provides flexibility and may yield certain tax advantages. Here’s how.

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.

CRC#4323107 (03/2025)

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Your Guide to Tax-Efficient Planning

Total Tax 365 | Tax-Efficient Investing |

Tax Strategies for Retirement | Tax-Smart Giving

Spotlight: What is Total Tax 365?

3 Tax Questions Every Investor Should Ask

Tax-Loss Harvesting Can Work Year-Round for Investors—Here’s How

How Direct Indexing Can Offer Investors Potential Tax Savings and Flexibility