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Total Tax 365 | Tax-Efficient Investing |

Tax Strategies for Retirement | Tax-Smart Giving

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Learn More about Total Tax 365

Wealth Management

Tax-Smart Ways to Diversify

A portfolio concentrated in a single stock poses risk. Here are four tax-smart ways to diversify.

Learn More

Wealth Management

What Is Tax-Loss Harvesting?

Jul 19, 2023

Learn about tax-loss harvesting and how some investors use it to opportunistically reduce their current tax bills.

Wealth Management

Using Direct Indexing for Potential Tax Savings and Flexibility

Oct 3, 2023

Learn more about the advantages of a direct indexing strategy and how it can help you meet your financial goals.

Make Your Investments More Tax-Efficient

Tax-efficient investing techniques may help you lower your tax burden and grow your wealth. Using Morgan Stanley’s Total Tax 365 approach may help you:

Save on Taxes

Tax-smart investing and withdrawal strategies can help you mitigate exposure to current taxes in your portfolio and keep more of what you’ve earned.

Build More Wealth

Even small reductions in your tax costs today can have a big impact on the amount of wealth you’re able to build over time and how quickly you build it.

Maximize Your Giving

Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐smart techniques to help make your giving go further.

Wealth Management

THESE STEPS MAY REDUCE TAXES ON INVESTMENTS

A key strategy for boosting long-term investment returns is being smart about tax efficiency.

Wealth Management

TAX-SMART WITHDRAWAL STRATEGIES

Oct 4, 2023

Realizing profits seems like the best part of investing, but taxes can add up. Our new analytics tool can help investors tap their portfolios in tax-savvy ways.

Wealth Management

Tax Manage Your Investments

Establishing a tax management strategy for your investments may help you keep more of your returns.

Lessen the Tax Bite on Your Retirement

Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg. These ideas may help.

Wealth Management

CAREFULLY MANAGE YOUR RETIREMENT DISTRIBUTIONS

Feb 27, 2023

Learn how a strategy known as income smoothing can help minimize taxation once you start tapping your retirement savings.

Wealth Management

SAVE MORE FOR RETIREMENT–AND KEEP MORE OF WHAT YOU’VE SAVED

See how combining different tax-efficient strategies can help you reach your retirement goals.

Maximize the Impact of Your Giving

Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further. Learn more here.

Wealth Management

CONSIDER TAX-SAVVY WAYS TO HELP THE CAUSES AND PEOPLE YOU CARE FOR

Nov 29, 2023

If you’re inclined to help others, consider these tips to enhance your impact.

Wealth Management

529s: A Smart Investment for the Future

A 529 plan is a tax-advantaged way to invest for future education expenses while achieving other life goals.

Wealth Management

THINK ABOUT GIVING BACK WITH A DONOR ADVISED FUND

Using a donor advised fund provides flexibility and may yield certain tax advantages. Here’s how.

Disclosures

This material is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. It has been prepared for informational purposes only. It does not provide individually tailored investment advice. It 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. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

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. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

CRC# 5907548 (09/2023)

View disclosures

Your Guide to Tax-Efficient Planning

Total Tax 365 | Tax-Efficient Investing |

Tax Strategies for Retirement | Tax-Smart Giving

Spotlight: What is Total Tax 365?

Tax-Smart Ways to Diversify

What Is Tax-Loss Harvesting?

Using Direct Indexing for Potential Tax Savings and Flexibility

Make Your Investments More Tax-Efficient

Save on Taxes

Build More Wealth

Maximize Your Giving

Lessen the Tax Bite on Your Retirement

Maximize the Impact of Your Giving

Total Tax 365 | Tax-Efficient Investing | Tax Strategies for Retirement | Tax-Smart Giving

Tax-Smart Ways to Diversify

What Is Tax-Loss Harvesting?

Using Direct Indexing for Potential Tax Savings and Flexibility

Save on Taxes

Build More Wealth

Maximize Your Giving

Total Tax 365 | Tax-Efficient Investing |

Tax Strategies for Retirement | Tax-Smart Giving