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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 IRASM and enrollment in Reserved, Morgan Stanley's client recognition program.
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 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.
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.
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