Morgan Stanley Workplace Wealth Solutions. A Corporate Financial Wellness Program Provided for Your Employees

Transcription

1 Morgan Stanley Workplace Wealth Solutions A Corporate Financial Wellness Program Provided for Your Employees CRC /2017

2 Did You Know? #1 Finances largest cause of stress for Employees 52% Find their financial situation stressful to think about 62% Turning to their Employers for assistance 49% 90% 77% Institutions state that the significance of employee Financial Wellness has increased over the last two years Institutions say that workplace Financial Wellness programs will be a standard benefit within the next decade Institutions will offer at least one Financial Wellness program within the next year Source: CNN, Ultimate Guide to Retirement, 2016, Prudential, The Next Frontier in Wellness Programs, 2015, CNBC, Your New Office Workout: Financial Fitness, 2016 USA Today, More Companies Offer Financial Wellness Programs, 2014 MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 2

3 What Is Workplace Wealth Solutions? Financial Education Onsite and Online Seminars Online Financial Education Library Financial Planning Delivered through Morgan Stanley s LifeView Platform Tax Services Partnership with EY, PWC and RSMUS Pre-negotiated Discounted Pricing and Service Levels FINANCIAL EDUCATION FINANCIAL PLANNING Investment and Cash Management Solutions Employees have the capability to implement their wealth plan to help meet their goals TAX SERVICES INVESTMENT AND CASH MANAGEMENT SOLUTIONS MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 3

4 Workplace Wealth Solutions: Financial Education Seminars and webinars covering a wide range of financial topics Ability to customize and select seminars for presentation from a comprehensive menu One-on-one onsite sessions with your Executives focusing on specific, specialized topics Financial Topics Include: Securing Your Legacy Women and Wealth Wealth Planning for Married LGBT Couples Goal Setting, Cash Flow and Budgeting Saving Credit and Debt Management Tax Basics Planning for the Unexpected Retirement and 401(k) Specialized Events Include: Access to Morgan Stanley Wealth Management CIO and Market Views Education for Your Employees Children Family Governance and Education Specialized Topics Include: Trust Distribution Intergenerational Wealth Transfer Philanthropy Alternative Investments MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 4

5 Workplace Wealth Solutions: Wealth Planning Customized wealth planning which includes your company benefits and equity plans Personal Financial Advisor for C- suite Executives whose needs may be more sophisticated Corporate Executive Services available to Executives focusing on estate planning strategies, philanthropic, philanthropy management, compensation or benefits planning Our team of Financial Advisors will work with your employees to understand their needs and goals that are required to develop a flexible wealth plan that may change as an employee's needs and goals change. ADDRESSING YOUR EMPLOYEES GOALS: Analyze their current investments, and financial situation Review and prioritize their goals, such as: Retirement Education funding Major purchases and philanthropic goals Protect their goals Develop wealth transfer strategies MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 5

6 Workplace Wealth: Implementing Success Financial Education: We offer onsite and online education programs that provide financial education based on a seasonal calendar, delivered quarterly to all employees. Plan Implementation: We can help your employees implement investment, retirement, cash management and insurance strategies suited to their needs. Develop a Custom Financial Plan: We utilize our advanced financial planning platform to work with your employees to develop a roadmap to help them achieve and protect the outcome they envision. Semiannual Checkups: We help your employees monitor their progress toward achieving their goals, and make adjustments as life evolves, and markets and priorities change. MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 6

7 Employee Experience: The Morgan Stanley Process Morgan Stanley provides customized tools to encourage participation in this valuable program. EMPLOYEES MAY RECEIVE: Customized introductory notifying them of this benefit Schedule an appointment through a dedicated Financial Wellness program box for your company Work with a dedicated Financial Advisor team trained on your benefit programs to create a customized financial plan Private financial planning sessions on-site at your locations, or off-site at the employee s convenience Quarterly financial planning seminar to promote awareness and importance of financial planning Additional onsite financial education programs on a variety of topics including Retirement, Tax and Saving for College MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 7

8 Get Started Today: Build Toward a Long-Term Partnership A dedicated team of Financial Advisors who have an understanding of your employee base, benefits offerings and culture Immediate promotion of the program as an enhancement to current benefits offerings Increase employee satisfaction and retention PERSONNEL SUPPORT After enrolling your company in Morgan Stanley Workplace Wealth Solutions we provide you with a locally based team of Financial Advisors, dedicated to your employees, to provide financial education and planning, cash management and other wealth management solutions. UNDERSTANDING YOUR BENEFITS The team of Financial Advisors will work with you to understand your company s benefits package including Retirement Plan Benefits, Executive Compensation Benefits, Life Insurance Benefits, Long-Term Care Benefits and more. Our Financial Advisors will use this information to develop a wealth plan for your employees that reflects a comprehensive financial picture. LOCAL ENGAGEMENT Regardless of where your employees are located, they will have access to a locally based, dedicated team of Financial Advisors who will support their day-to-day financial needs. MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 8

9 Disclosures This material 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. A LifeView Financial Goal Analysis or LifeView Financial Plan ( Financial Plan ) is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley Smith Barney LLC ( Morgan Stanley ) makes no guarantees as to future results or that an individual s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your financial goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley. Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis or LifeView Advisor. When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. When your Financial Advisor prepares a Financial Plan (i.e., when using LifeView Advisor), they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. This Investment Advisory relationship will begin with the delivery of the Financial Plan and ends thirty days later, during which time your Financial Advisor can review the Financial Plan with you. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at Morgan Stanley Smith Barney LLC (the Firm ) and its affiliates do not currently offer tax services provided by EY, PwC and RSMUS ( the Service Providers ). The Service Providers are not affiliates of the Firm. Any review of the Service Providers performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Providers. The Firm makes no representations regarding the tax services provided by the Service Providers. There may be additional tax service providers that can provide you similar services for comparative purposes. If you choose to contact the Service Providers, do thorough due diligence, and make your own independent decision. The Firm will not receive a referral fee for referring you to the Service Providers. The Firm is a diversified financial services company with millions of clients in several countries around the world. The Firm routinely enters into a variety of business relationships for which either the Firm receives compensation or pays for services, and such business relationships may include the named Service Providers, its employees or agents, or companies affiliated with the Service Providers. 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. 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. 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 ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 2017 Morgan Stanley Smith Barney LLC. Member SIPC. CRC /2017 MORGAN STANLEY WORKPLACE WEALTH SOLUTIONS DATE 9