There’s no better investment your company can make than in the people that power it. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help employees build financial well-being—and help you attract and retain top talent.
Helping Your Company and Employees Thrive
Your employees deserve to have the support they need at any step of their financial journey. Learn how Morgan Stanley at Work can help you equip them to achieve their financial goals.
Your company has passionate, talented people. They pursue bold ideas, motivate co-workers and move the organization forward. So it’s good to ask yourself, “How am I taking care of talent?”
What many companies don’t realize is that they have an opportunity to help employees build confidence and reduce financial distractions. That’s critical—because when employees feel optimistic about their financial future, they can be more focused, productive, and loyal.
That’s where Morgan Stanley at Work can help.
We provide workplace financial solutions, so you can focus on growing your business. Our personalized approach, insightful guidance, and cutting-edge technology are designed to evolve as your company does.
What does this look like?
Modern equity plan administration that supports your company at any stage of growth and allow your employees to feel invested in shared success.
Retirement readiness programs that help your employees feel confident about the next stage of life.
Deferred compensation plan services that can help you engage your highly compensated employees with this high value benefit.
Executive services provided by a dedicated team with concierge-level support on everything from equity compensation plans to access to wealth management and tax mitigation strategies, so your top talent can take your company to new heights.
And saving and giving benefits that can make a difference in your employees’ lives, like repaying student loans – today and tomorrow.
Plus, available with all our solutions, your employees receive Financial Wellness, a comprehensive program designed to address their unique needs and help them reach their financial goals through a powerful combination of education, digital tools, guidance from our Financial Advisors.
That’s what it’s all about: helping your employees build confidence, extending beyond wealth.
Because when people feel good about their work and their life, they can unleash their full potential.
Disclosures:
Products and services not available in all jurisdictions.
Morgan Stanley at Work, Morgan Stanley Smith Barney LLC, and its affiliates, employees and Financial Advisors do not provide legal or tax advice. Individuals should consult with their tax/legal advisors before making any tax/legal-related investment decisions.
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 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5699665 – 5/23
Whether you’re a global corporation or a growing start-up, we understand your needs and offer tailored solutions and technology to help meet them.
Available with every service we provide, our Financial Wellness offering is designed to address the unique needs of your employees and help them reach their financial goals through a powerful combination of education, digital tools, and guidance from our Financial Advisors.
Our offering provides thoughtful guidance, insightful education and intuitive technology to help your employees achieve their financial goals.
Employees are paying increased attention to workplace financial benefits and asking employers to help them understand how to maximize their benefit packages.
Learn how financially confident employees can power your business forward, and how our offering can help your employees achieve financial well-being.
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We’ll help you find the right workplace financial solutions for you, your employees and your business.
Morgan Stanley at Work, Morgan Stanley Smith Barney LLC, and its affiliates and employees do not provide legal or tax advice. You should always consult with and rely on your own legal and/or tax advisors.
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NOT ALL PRODUCTS AND SERVICES ARE AVAILABLE IN ALL JURISDICTIONS OR COUNTRIES
This material is provided for informational purposes only and does not provide individually tailored investment or financial advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. Information and data contained herein is from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of the information or data from sources outside of Morgan Stanley. Past performance is not indicative or a guarantee of future results.
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 for related questions. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
Employee stock plan solutions are offered by Morgan Stanley at Work
Employee stock plan solutions offered by E*TRADE Corporate Services, Inc., are part of the Morgan Stanley at Work solutions.
Securities products and services are offered by E*TRADE Securities LLC, Member SIPC or Morgan Stanley Smith Barney LLC (MSSB), Member SIPC. Throughout 2023 ETS will be transitioning existing clients to MSSB. Learn more about this transition at www.etrade.com/mssb.
In connection with stock plan solutions offered by Morgan Stanley Smith Barney LLC and E*TRADE Corporate Services, Inc., E*TRADE Securities LLC provides brokerage services to stock plan participants.
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.
E*TRADE Securities LLC is an affiliated subsidiary 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.
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.
Financial Coaching, provided by My Secure Advantage, in partnership with Morgan Stanley Financial Wellness is for informational and educational purposes only. It does not provide individually tailored investment advice and 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 for related questions. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. You should consult your own tax and legal advisors (a) before establishing a nonqualified deferred compensation plan, and (b) regarding any potential legal, tax, and related consequences of any investments or other transactions made with respect to a nonqualified deferred compensation plan.
The products or services referenced herein are provided by My Secure Advantage, an unaffiliated party. Neither Morgan Stanley Smith Barney LLC ("Morgan Stanley") nor its affiliates are the provider of such products or services and will not have any input or responsibility concerning an individual’s eligibility for, or the terms and conditions associated with, these products or services. Neither Morgan Stanley nor its affiliates shall be responsible for content of any advice, guidance or services provided by My Secure Advantage. Morgan Stanley or its affiliates may participate in transactions on a basis separate from My Secure Advantage. Morgan Stanley or its affiliates may receive compensation in connection with referrals made to My Secure Advantage. Any review of the My Secure Advantage performed by Morgan Stanley was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of My Secure Advantage. The Firm makes no representation regarding the appropriateness or otherwise of the products or services provided My Secure Advantage. There may be additional service providers for comparative purposes. If you choose to contact My Secure Advantage, do thorough due diligence, and make your own independent decision.
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.
Morgan Stanley at Work and Global Intelligence services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley.
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 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.
System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
E*TRADE Financial Corporate Services, Inc. announced in October 2023 the sale to Vestwell Holdings, Inc. of its Gradifi Solutions assets related to the Saving and Giving offerings described above. As a result, the Saving and Giving offerings will be available soon through Vestwell. Please note, that Vestwell runs an independent business that is not affiliated with E*TRADE Financial Corporate Services, Inc. or any of its affiliates, and Vestwell will be providing the Gradifi Solutions through its own systems and operational infrastructure.
Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and/or its affiliates, all wholly owned subsidiaries of Morgan Stanley.
©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5701982-5/23
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