PROTECTION FOR THE UNEXPECTED
At Morgan Stanley, our clients can expect their Financial Advisor to make insurance and annuities a part of their overall wealth plan. Having a sound plan incorporating investments, as well as insured solutions, can help clients get closer to achieving their retirement and legacy planning goals.
There’s a reason why they say with great risk comes great reward. Because taking the right chances in life can sometimes pay off. At Morgan Stanley we know that a sound wealth plan requires more than just seeking returns. It also involves mitigating and managing risks, helping to protect you when the unexpected occurs. That’s why we offer a robust suite of Insured Solutions that can aid in safeguarding your assets and liabilities. Insurance, as part of your overall wealth plan, can help you get closer to achieving your retirement and legacy planning goals. Life, long-term care, disability and property and casualty insurance each play a unique role in protecting against life’s hidden curves. Annuities may also have a place in your overall wealth plan as a source of tax-deferred growth and protected lifetime income. Your Morgan Stanley Financial Advisor is well-positioned to help you address your financial needs from managing uncertainty, preserving assets, and helping to grow and transfer wealth to the next generation. And we’re proud to offer products with differentiated features and pricing, designed by some of the industry’s most highly-rated insurance companies. These are offered by the intellectual capital and deep resources of Morgan Stanley. In life, financial security can bring peace of mind. But a sound plan requires more than just luck, it takes goals-based advice that combines both investments and protection solutions. Talk to your Morgan Stanley Financial Advisor today about how insured solutions can help safeguard your family and your legacy no matter what life may bring."
Learn more about how our insured solutions resources have been designed to help safeguard your family and your legacy.
Your Morgan Stanley Financial Advisor or Private Wealth Advisor can help answer your questions about insurance and annuities, offered by third-party insurance carrier partners, and provide guidance on developing an approach to help you achieve your goals.
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You have meaningful goals. We can help you achieve them. No matter what you want to accomplish, our focus starts and ends with you. Explore how your Morgan Stanley team can help with setting and prioritizing your financial goals.
Morgan Stanley Smith Barney LLC offers annuities and insurance products in conjunction with its licensed insurance agency affiliates.
Annuities are long-term investments designed for retirement purposes and are subject to investment risk, including the possible loss of principal.
Withdrawals and distributions of taxable amounts from annuities are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty.
Early withdrawals will reduce the death benefit and cash surrender value of annuities.
Living benefits are optional and are available for an additional cost. When evaluating a living benefit there are several key factors that must be considered such as: cost investment limitations, holding periods, liquidity, withdrawals and your age and risk tolerance.
Guarantees, including optional benefits, offered by the annuity or insurance product are subject to the financial strength and claims paying ability of the issuing insurance company. Guarantees do not apply to the underlying investment options of a variable annuity or variable insurance product.
Variable annuities and variable life insurance are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges and expenses, and other information regarding the variable annuity contract or variable life insurance product and the underlying investments, which should be considered carefully before investing. Prospectuses for both the variable annuity contract or variable life insurance product and the underlying investments are available from your Financial Advisor. Please read the prospectus carefully before investing.
If you are investing in an annuity through a tax-advantaged retirement plan such as an IRA, you will get no additional tax advantage from the annuity. Under these circumstances, you should only consider buying an annuity because of its other features, such as lifetime income payments and death benefits protection.
A variable annuity purchased in an investment advisory account may result in higher client fees and costs than a similar variable annuity purchased in a brokerage account; depending on the amount of the Advisory Fee charged on the account.
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