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- At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
  
  Personal Finance
  
  Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.
- At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
  
  Market Trends
  
  From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.
- At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
  
  Technology & Disruption
  
  Whether it’s hardware, software or age-old businesses, everything today is ripe for disruption. Stay abreast of the latest trends and developments.
- At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
  
  Sustainability
  
  Our insightful research, advisory and investing capabilities give us unique and broad perspective on sustainability topics.
- At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
  
  Diversity & Inclusion
  
  Multicultural and women entrepreneurs are the cutting-edge leaders of businesses that power markets. Hear their stories and learn about how they are redefining the terms of success.
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Investment Banking
What We Do
What We Do
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Wealth Management
  
  We help people, businesses and institutions build, preserve and manage wealth so they can pursue their financial goals.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Investment Banking & Capital Markets
  
  We have global expertise in market analysis and in advisory and capital-raising services for corporations, institutions and governments.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Sales & Trading
  
  Global institutions, leading hedge funds and industry innovators turn to Morgan Stanley for sales, trading and market-making services.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Research
  
  We offer timely, integrated analysis of companies, sectors, markets and economies, helping clients with their most critical decisions.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Investment Management
  
  We deliver active investment strategies across public and private markets and custom solutions to institutional and individual investors.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Morgan Stanley at Work
  
  We provide comprehensive workplace financial solutions for organizations and their employees, combining personalized advice with modern technology.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Sustainable Investing
  
  We offer scalable investment products, foster innovative solutions and provide actionable insights across sustainability issues.
- Morgan Stanley helps people, institutions and governments raise, manage and distribute the capital they need to achieve their goals.
  
  Inclusive Ventures Group
  
  From our startup lab to our cutting-edge research, we broaden access to capital for diverse entrepreneurs and spotlight their success.
About Us
About Us
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Core Values
  
  Everything we do at Morgan Stanley is guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Leadership
  
  Morgan Stanley leadership is dedicated to conducting first-class business in a first-class way. Our board of directors and senior executives hold the belief that capital can and should benefit all of society.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  History
  
  From our origins as a small Wall Street partnership to becoming a global firm of more than 80,000 employees today, Morgan Stanley has been committed to clients and communities for 89 years.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Locations
  
  The global presence that Morgan Stanley maintains is key to our clients' success, giving us keen insight across regions and markets, and allowing us to make a difference around the world.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Diversity
  
  Morgan Stanley is differentiated by the caliber of our diverse team. Our culture of access and inclusion has built our legacy and shapes our future, helping to strengthen our business and bring value to clients.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Sustainability
  
  Our firm's commitment to sustainability informs our operations, governance, risk management, diversity efforts, philanthropy and research.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Giving Back
  
  At Morgan Stanley, giving back is a core value—a central part of our culture globally. We live that commitment through long-lasting partnerships, community-based delivery and engaging our best asset—Morgan Stanley employees.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Technology
  
  As a global financial services firm, Morgan Stanley is committed to technological innovation. We rely on our technologists around the world to create leading-edge, secure platforms for all our businesses.
- Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
  
  Sponsorships
  
  At Morgan Stanley, we believe creating a more equitable society begins with investing in access, knowledge and resources to foster potential for all. We are committed to supporting the next generation of leaders and ensuring that they reflect the diversity of the world they inherit.
Why Us
Why Us
- For 89 years, we’ve had a passion for what’s possible. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.
  
  Why Morgan Stanley
  
  At Morgan Stanley, we focus the expertise of the entire firm—our advice, data, strategies and insights—on creating solutions for our clients, large and small.
- For 89 years, we’ve had a passion for what’s possible. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.
  
  How We Can Help
  
  We have the experience and agility to partner with clients from individual investors to global CEOs. See how we can help you work toward your goals—even as they evolve over years or generations.
- For 89 years, we’ve had a passion for what’s possible. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.
  
  Building a Future We Believe In
  
  At Morgan Stanley, we put our beliefs to work. We lead with exceptional ideas, prioritize diversity and inclusion and find meaningful ways to give back—all to contribute to a future that benefits our clients and communities.
- For 89 years, we’ve had a passion for what’s possible. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.
  
  Get Started
  
  Meet one of our Financial Advisors and see how we can help you.
- For 89 years, we’ve had a passion for what’s possible. We leverage the full resources of our firm to help individuals, families and institutions reach their financial goals.
  
  Stay in the Know
  
  Get the latest insights, analyses and market trends in our newsletter, podcasts and videos.
Careers
Careers
- We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.
  
  Students & Graduates
  
  A career at Morgan Stanley means belonging to an ideas-driven culture that embraces new perspectives to solve complex problems. See how you can make meaningful contributions as a student or recent graduate at Morgan Stanley.
- We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.
  
  Experienced Professionals
  
  At Morgan Stanley, you’ll find trusted colleagues, committed mentors and a culture that values diverse perspectives, individual intellect and cross-collaboration. See how you can continue your career journey at Morgan Stanley.
- We believe our greatest asset is our people. We value our commitment to diverse perspectives and a culture of inclusion across the firm. Discover who we are and the right opportunity for you.
  
  Experienced Financial Advisors
  
  At Morgan Stanley, our premier brand, robust resources and market leadership can offer you a new opportunity to grow your practice and continue to fulfill on your commitment to deliver tailored wealth management advice that helps your clients reach their financial goals.
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Technology

Wealth Management

Insured Solutions: Protection for the Unexpected

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.

Our Solutions

At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.

Life Insurance

Protects against income loss due to the death of the insured. Different types of life insurance products include permanent and term life insurance

Disability Income Insurance

Designed to provide income replacement in the event the insured is unable to work due to an injury or illness

Long Term Care Insurance

Helps provide for the cost of a broad range of medical and personal services for individuals who need assistance with daily activities for an extended period of time

Property and Casualty Insurance

Available for high net worth clients and their families to help mitigate potential risks associated with property loss and general liability

Annuities

An investment contract primarily designed for retirement and other long-range goals that allows the accumulation of assets on a tax-deferred basis.

Protecting Your Star Power: Insured Solutions for the Sports and Entertainment Industry

An audiocast series that delves into the intricacies of insurance in the high stakes world of sports and entertainment. This series will offer valuable insights and strategies to help safeguard against the unexpected for industry professionals and high net worth individuals.

Insured Solutions

Learn how to maximize your peak years and protect yourself throughout your career—and whatever comes after.

Recent Insights

Learn more about how our insured solutions resources have been designed to help safeguard your family and your legacy.

Protecting Your Income from the Unexpected

Planning for the Rising Costs of Health Care

You’re Ready for Retirement. Is Your Portfolio?

Insured Solutions Protection for the Unexpected Morgan Stanley Insurance and Wealth Protection Solutions

Wealth Management Protecting Your Income from the Unexpected Accidents or unforeseen illnesses can put your ability to earn an income at risk. Here's how to help protect it.

Wealth Management Planning for the Rising Costs of Health Care Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself

Wealth Management How to Plan for Hidden Risks Learn more about how our insured solutions resources have been designed to help safeguard your family and your legacy.

Wealth Management You’re Ready for Retirement. Is Your Portfolio? The market can influence your decision on when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.

Insured Solutions Protection for the Unexpected

Wealth Management Protecting Your Income from the Unexpected

Wealth Management Planning for the Rising Costs of Health Care

Wealth Management How to Plan for Hidden Risks

Wealth Management You’re Ready for Retirement. Is Your Portfolio?

Financial Advisor or Private Wealth Advisor

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.

Learn More

Check the background of our firm and investment professionals on FINRA's BrokerCheck.

Start Your Financial Journey with Us

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.

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Disclosures

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.

CRC# 3530694 (04/2024)

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