Fiduciary Consulting Group
Retirement
Helping you map a retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your investing preferences, legacy goals and important life events
You Work Hard, Make Your 401(k) Plan Work Harder
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5 Mistakes to Avoid in Retirement
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Making the Most of Your Retirement Savings
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Products and Services for Retirement
401(k) Rollovers
Assisting clients with retirement account consolidation to help ensure savings are invested appropriately track the performance of holdings and provide new investment options.
Individual Retirement Plans
Helping clients implement a variety of retirement solutions to meet financial needs as life evolves, markets and tax laws shift, and priorities change.
Annuities
Providing access to a comprehensive suite of quality annuity products that help provide a guaranteed income stream that can last through your retirement.
Retirement Income Strategies
Creating comprehensive goals-based wealth management strategies which aim to provide a steady, stable income that will last through your retirement years.
Let's Talk
We look forward to starting the conversation on how we can help.1Not all services are available in all jurisdictions
2Assets advised or under management as of 12/31/2024
3The ratio is as of 12/31/2024 and calculated based on total number of Fiduciary Consulting Group investment and support personnel
Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
OCIO services may be provided by Fiduciary Consulting Group or Wealth Management and Educational services are offered through Wealth Management
Morgan Stanley Institutional Investment Advisors LLC (MSIIA) is registered with Securities and Exchange Commission as an investment adviser under the Investment Advisers Act of 1940, as amended, which means Morgan Stanley Institutional Investment Advisors LLC is a fiduciary when providing investment advisory services. The Fiduciary Consulting Group is a separate business unit within Morgan Stanley Institutional Investment Advisors LLC (“MSIIA”).
When Morgan Stanley Institutional Investment Advisors LLC, its affiliates and consultants provide “investment advice” regarding a retirement plan account, Morgan Stanley Institutional Investment Advisors 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 Institutional Investment Advisors provides investment education or otherwise does not provide “investment advice”, Morgan Stanley Institutional Investment Advisors LLC will not be considered a “fiduciary” under ERISA and/or the Code.
The purpose of this website is for distribution of general information about our services and not a solicitation to deliver personalized investment advice. Not all services are available in all jurisdictions.
This material 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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Institutional Investment Advisors recommends that investors independently evaluate particular investments and strategies and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
The material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Tax laws are complex and subject to change. Morgan Stanley Institutional Investment Advisors and its affiliates do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
This website may include informational links to services provided by an affiliate of Morgan Stanley Institutional Investment Advisors, Morgan Stanley Smith Barney LLC. These links are provided only as a convenience. The inclusion of any link is not and does not imply sponsorship, endorsement, approval, investigation, verification. In no event shall Morgan Stanley Institutional Investment Advisors be responsible for the information contained on that site or your use of or inability to use such site. For additional information, please reach out to your Morgan Stanley Institutional Investment Advisors consultant.
Additional information about the Fiduciary Consulting Group is also available on the SEC’s website at: www.adviserinfo.sec.gov.
CRC4218634 04/2025
2Assets advised or under management as of 12/31/2024
3The ratio is as of 12/31/2024 and calculated based on total number of Fiduciary Consulting Group investment and support personnel
Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
OCIO services may be provided by Fiduciary Consulting Group or Wealth Management and Educational services are offered through Wealth Management
Morgan Stanley Institutional Investment Advisors LLC (MSIIA) is registered with Securities and Exchange Commission as an investment adviser under the Investment Advisers Act of 1940, as amended, which means Morgan Stanley Institutional Investment Advisors LLC is a fiduciary when providing investment advisory services. The Fiduciary Consulting Group is a separate business unit within Morgan Stanley Institutional Investment Advisors LLC (“MSIIA”).
When Morgan Stanley Institutional Investment Advisors LLC, its affiliates and consultants provide “investment advice” regarding a retirement plan account, Morgan Stanley Institutional Investment Advisors 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 Institutional Investment Advisors provides investment education or otherwise does not provide “investment advice”, Morgan Stanley Institutional Investment Advisors LLC will not be considered a “fiduciary” under ERISA and/or the Code.
The purpose of this website is for distribution of general information about our services and not a solicitation to deliver personalized investment advice. Not all services are available in all jurisdictions.
This material 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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Institutional Investment Advisors recommends that investors independently evaluate particular investments and strategies and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
The material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Tax laws are complex and subject to change. Morgan Stanley Institutional Investment Advisors and its affiliates do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
This website may include informational links to services provided by an affiliate of Morgan Stanley Institutional Investment Advisors, Morgan Stanley Smith Barney LLC. These links are provided only as a convenience. The inclusion of any link is not and does not imply sponsorship, endorsement, approval, investigation, verification. In no event shall Morgan Stanley Institutional Investment Advisors be responsible for the information contained on that site or your use of or inability to use such site. For additional information, please reach out to your Morgan Stanley Institutional Investment Advisors consultant.
Additional information about the Fiduciary Consulting Group is also available on the SEC’s website at: www.adviserinfo.sec.gov.
CRC4218634 04/2025
