The Archway Group at Morgan Stanley

As a client, you will access a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we can provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.

We analyze your tax and estate structures so that your tax characteristics are accurately incorporated in the asset allocation analysis performed for the client. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents. We will work together to identify the most suitable investments for securing your financial future and legacy.

Explore investments beyond traditional portfolios. With unmathced experience, scale and reach across our vast global network, Morgan Stanley is an industry leader in alternative investments - providing access to exclusive offerings, preeminent fund managers, and innovative investment opportunities.

Leading up to and through retirement, we will work together to identify the most suitable investments for securing your financial future and legacy. By monitoring and updating this plan throughout your life, we help ensure that you have the income and resources to live out the lifestyle you envision, while accounting for the unexpected.

Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.

There are several ways to diversify a concentrated position in your company's equity, each of which must be evaluated in light of your financial objectives, overall risk profile, tax situation and time horizon. Careful analysis is also needed to minimize the possibility that required disclosures of any sales or hedges do not send inaccurate and unintended signals to your board or the public.

RSUs can be complex. You are awarded ownership of the company that vests at specified points in your tenure at the firm you now partially own. If/when you choose to sell, you remain responsible for associated taxes. I want to help you navigate the complexities of your vesting schedule, firm tenure, and the decision to hold or sell.

Options are a hot topic in financial services, but to newcomers, they can be difficult to wrap your head around. They are a unique strategy to grow your income, but need to fit within your broader strategy. We can discuss that high level strategy to achieve your goals based on your investment preferences and comfort. In this conversation, we can decide if stock options are right for you.

For executives who want the freedom to sell through open and closed windows, whether at market or predetermined limit prices, 10b5-1 plans are preset diversifications. A written trading strategy called the 10b5-1 plan, which is approved by legal counsel and carried out by a third party, offers business insiders an affirmative defense against accusations of insider trading.

Exchange Funds offer tax-deferred diversification without producing the taxable gains generally associated with diversification because the exchange occurs inside a tax-deferred vehicle that has been permitted by the IRS. By building a targeted portfolio for Exchange Funds, portfolio managers are able to ensure that each contributor of concentrated stock will finally receive a pro-rata allocation of the portfolio while keeping their original basis.

The discounts offered in ESPPs can be attractive, but the decision to get involved is a big one, that we can navigate together. We first want to assess how your company calculates the discount and how the purchase schedule can affect your investment. We want to think this through because, once your securities are your own, if you decide to sell, you may have taxable income equal to that discount.

When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.

Hypothecation loans offer the unique opportunity to use restricted stock or another asset as collateral to secure a loan, while maintaining ownership rights like voting or dividends.

Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs. We are here to provide strategic advisory services to help you achieve your philanthropic goals.

The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.

Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM, where they can access year-round savings opportunities to enhance their lifestyle. 500,000 clients are already enrolled and enjoying benefits like upgrades, hotel rewards, access to sought-after tickets and experiences and much more.

Bespoke solutions and access to knowledgeable, highly personal third-party providers to help meet your exceptional needs from the everyday to the extraordinary.

Compiling a full financial picture - that takes both your life goals and your life stage into consideration - is the starting point to a meaningful goals-based retirement analysis. Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds

Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In case you are incapacitated, you'll want vital, timely information and documents available to both your family and advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows us to build a central, shared document library where all documents are stored using encryption.

Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.

To better assist you with this year's tax filing, please find below the 2025 Tax Tables for your reference.

Thought leaders at Morgan Stanley provide in-depth market commentary on a variety of subjects, including global equities, fixed income, monetary policy, and more.