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

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

You’re Ready for Retirement. Is Your Portfolio?

Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.

Understanding Your Retirement Plan Options When You Leave a Job

You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.

Overcoming Your 5 Biggest Retirement Challenges

While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement.

Why Your Home Can Be a Retirement Asset

If you’re willing to consider drawing down home equity—either by selling your home or borrowing against its value—it can dramatically change your retirement outlook.

A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

HSAs: An Overlooked Retirement Savings Vehicle

Health savings accounts (HSAs) are savings vehicles that offer tax benefits and can help you cover what may be your largest expense in retirement: health care.

You Work Hard, Make Your 401(k) Plan Work Harder

It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.

5 Mistakes to Avoid in Retirement

How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.

Tax-Smart Strategies for Your Retirement

Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.

What to Do If You Are Off Track on Your Goals

Don’t worry if your financial goals look out of reach now based on what you’ve saved. There are ways to adjust course that are easier than you may think.

Are You Prepared for Retired Life?

Your retirement has the potential to be the most fulfilling period of your life–but you need to have a plan for your time as well as your finances.

Making the Most of Your Retirement Savings

Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.

What’s it like to work with a Morgan Stanley Financial Advisor

Investing can be complicated. Choosing a Financial Advisor shouldn’t be.

What Kind of Retiree Do You Want to Be?

Everyone has a different idea of their dream retirement. Whatever you envision, it’s essential to plan ahead so that your nest egg will last.

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.

We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.

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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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.

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Asset Allocation does not assure a profit or protect against loss in declining financial markets.

The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.

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Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

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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

Awards Disclosures

CRC 6295606 (3/2024)

MaryAnn Johnson, CFP®