For your employees, retirement is more than a date in the future—it’s a milestone that takes time, hard work and the right tools to achieve. Our team works with companies of all sizes to provide a comprehensive suite of solutions and investment experience to help you with your investment responsibilities and help your employees achieve their goals.
Retirement plans should meet the needs of your company and employees alike. Our Financial Advisors can help you understand your options.
Defined Contribution Consulting
A dedicated team can work with you to identify risk management resources, provide fee and service benchmarking, deliver investment due diligence and offer participant education.
Solutions-Oriented Retirement Plan
Your Financial Advisor will help deliver tax-efficient, turnkey workplace retirement plans tailored to the needs of your business.
Fiduciary Investment Oversight
Knowledgeable Financial Advisors can partner with you to help reduce the administrative and oversight burden associated with your fiduciary responsibilities.1
Our team can provide the tools and guidance to help you manage a retirement plan.
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Disclosures:
1 Both 3(21) and 3(38) fiduciary solutions are available
This material 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.
Personalized advice may require opening an account with a Morgan Stanley Financial Advisor and may require minimum asset levels. Other eligibility requirements may apply and certain products and services are not available to or appropriate for all clients or all types of Morgan Stanley accounts. Certain listed benefits of working with a Morgan Stanley Financial Advisor such as tax management services are available through the Morgan Stanley investment advisory platform. More information about understanding the differences between Morgan Stanley brokerage and advisory relationships can be found in the Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
NOT ALL PRODUCTS AND SERVICES ARE AVAILABLE IN ALL JURISDICTIONS OR COUNTRIES.
Employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc., Solium Capital LLC, Solium Plan Managers LLC and Morgan Stanley Smith Barney LLC (“MSSB”), which are part of Morgan Stanley at Work.
Morgan Stanley at Work services and stock plan accounts are provided by wholly owned subsidiaries of Morgan Stanley.
Morgan Stanley at Work stock plan accounts were previously referred to as Shareworks, StockPlan Connect or E*TRADE stock plan accounts, as applicable.
In connection with stock plan solutions offered by Morgan Stanley at Work, securities products and services are offered by MSSB, Member SIPC.
E*TRADE from Morgan Stanley is a registered trademark of MSSB.
All entities are separate but affiliated subsidiaries of Morgan Stanley.
Content and services available to non-US participants may be different than those available to US participants.
The laws, regulations, and rulings addressed by the products, services, and publications offered by Morgan Stanley and its affiliates are subject to various interpretations and frequent change. Morgan Stanley and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. Morgan Stanley and its affiliates do not provide legal, accounting, or tax advice. Always consult your own legal, accounting, and tax advisors.
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.
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