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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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