SAVING AND GIVING

College Savings

Help your employees save for the future with direct contributions to their 529 college savings plan.

Make Saving for College Simple

Our benefit solution makes saving for college simpler for your employees by making it easy for you to contribute to their savings. Help them build for the future by showing you support them beyond the office. This solution is provided by E*TRADE Financial Corporate Services, Inc.

Your Employees are Thinking About College Costs

With the price of college steadily rising, the ability to cover these costs can be a daily stressor for many people.

73%

of U.S. parents with children under 18 who worry about funding their children’s education costs.1

18%

of employees withdrew from their retirement savings fund to help cover college costs in 2022.2

How We Work with You

Together, we’ll develop a plan that fits your employees and ensure each contribution gets paid to their 529 plans.

Variety of Flexible Options
Offer more than a single offering. Allow your employees to choose approved from any 529 savings plans.
Custom-Fit 529 Contributions
Tailor It for them and you. Set custom contributions to your employees’ 529 college savings plans.
Meaningful Employee Benefits
Find what you may need to help your employees plan for and achieve their financial goals.
Let’s Start the Conversation
Tell us a bit about your workplace and a member of our team will reach out to discuss your unique needs.

Explore More Educating Financing Solutions

From paying down student loans to saving up for the future, our Education Financing solutions are designed to boost your employees’ financial well-being.

Student Loan Refinancing
Help your employees take charge of their student loan debt and chart a path toward financial well-being.
Learn More
Student Loan Repayment
Help your employees pay down their student loan debt through direct contributions toward their student loans.
Learn More

Insights for a Modern Workplace

Get the latest thinking from our experienced thought leaders. Discover new trends and unique perspectives 
to motivate your employees and fuel your business.

1 http://news.gallup.com/poll/182537/parents-college-funding-worries-top-money-concern.aspx

2 HowAmericaPaysforCollege2022.pdf (salliemae.com)

Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options, investment objectives and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, investment objectives, risk factors, fees and expenses and possible tax consequences. Investors should read the Program Disclosure Statement carefully before investing.

Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley. 

E*TRADE Financial Corporate Services, Inc. offers the Saving and Giving and Education Financing solutions, enabling employers to provide their employees student loan and college savings benefits. These solutions are part of the Morgan Stanley at Work solutions.

The material provided by E*TRADE Financial Corporate Services, Inc. or any of its direct or indirect subsidiaries (E*TRADE) or by a third party not affiliated with E*TRADE is for educational purposes only and is not an individualized recommendation. The information contained in the third-party material has not been endorsed or approved by E*TRADE, and E*TRADE is not responsible for the content. This information neither is, nor should be construed as, an offer or a solicitation of an offer, or a recommendation, to buy, sell, or hold any security, financial product, or instrument discussed herein, or to open a particular account or to engage in any specific investment strategy by E*TRADE.

Not all products and services are available in all jurisdictions..

This is not an offer to sell or a solicitation of an offer to buy securities, products or services, by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

The laws, regulations, and rulings addressed by the products, services, and publications offered by E*TRADE Financial Corporate Services, Inc. and its affiliates are subject to various interpretations and frequent change. E*TRADE Financial Corporate Services, Inc. and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. E*TRADE Financial Corporate Services, Inc. and its affiliates do not provide legal, accounting, or tax advice.

Always consult your own legal, accounting, and tax advisors. E*TRADE Financial Corporate Services, Inc., LendKey, Earnest, and MEFA are separate and unaffiliated companies.

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VERMONT DISCLOSURE: THIS IS A LOAN SOLICITATION ONLY. E*TRADE FINANCIAL CORPORATE SERVICES, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

E*TRADE Financial Corporate Services, Inc. (NMLS ID: 1959157, https://www.nmlsconsumeraccess.org/) “E*TRADE Financial Corporate Services, Inc. is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license number 60DBO-114210. View additional licensing posting and disclosures.

Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley.

© 2023 E*TRADE Financial Corporate Services, Inc., a business of Morgan Stanley. All rights reserved.

 

CRC 5669723  05/2023

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