James Warfield - Morgan Stanley Financial Advisor

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Consolidation Can Help You Qualify for Unique Offers

Over the years, you may have accumulated a significant sum in retirement savings, spread across various financial institutions. Consolidating those accounts in one place can help you ensure your assets are invested in accordance with your overall financial goals, track the performance of your holdings, reduce the fees you pay and, when the time comes, coordinate distributions you may be required to make.

Consolidating retirement savings can also help you qualify for a Free Forever IRA^SM and enrollment in Reserved, Morgan Stanley's client recognition program.

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Free Forever IRA

With the Free Forever IRA when you transfer, roll over or add $100,000 or more to an IRA at Morgan Stanley during 2013, we will waive your annual maintenance fee for the life of the account.¹

Reserved

Reserved is a distinctive recognition program for Morgan Stanley’s most valued clients. Its array of rich benefits can be accessed by eligible clients² without needing to accrue points or purchase additional products or services. Reserved complements your lifestyle and discerning taste with premium savings and unprecedented offers that are designed to enhance, educate, inspire and assist—delivering the very best Morgan Stanley has to offer.

Consolidate your retirement savings at Morgan Stanley to qualify for a lifetime fee waiver on your IRA account and to meet the eligibility requirements to attain Reserved status.

Reserved Brochure: To learn more about the Free Forever IRA or how you may become eligible for Reserved, email me or give me a call at (516) 932-4849.

¹Subject to IRS rules regarding eligibility to contribute to an IRA.
By law, some IRAs may not be consolidated. Consult your personal legal advisor. This offer is limited to one account waiver per Social Security Number. Redeposit of a prior IRA distribution does not qualify. Other product fees and charges (e.g., commissions) continue to apply. Funds must remain in the IRA for one year from the date of deposit to qualify for the Free Forever IRA maintenance fee waiver.

Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account.

² To qualify for Reserved, your household must have and maintain $1MM or more in Eligible Assets and Liabilities or $10,000 in fees/commissions with Morgan Stanley Smith Barney LLC. Qualification levels subjects to change.

CRC 599306 12/12

This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley Smith Barney.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA, Certified Investment Management Analyst (with graph element)®, and Certified Investment Management Analyst .

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