What Can a Variable Annuity Do for Your IRA? Enhancing Your Individual Retirement Account

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1 B What Can a Variable Annuity Do for Your IRA? Enhancing Your Individual Retirement Account

2 Your Individual Retirement Account (IRA) is an important component of your retirement planning strategy and one of the most versatile. Just as important as your IRA are the investments that you choose to hold within it. One investment that you may want to consider is a Variable Annuity (VA).

3 What Is a Variable Annuity? A variable annuity is a long-term investment designed to provide retirement income. It is a contract between you and an insurance company in which you invest with the promise of guaranteed lifetime income. You may want to consider variable annuities as a part of your retirement planning strategy because they can help: Provide a guaranteed stream of lifetime retirement income Provide death benefit protection to beneficiaries Potentially grow money faster through tax deferral What Can a Variable Annuity Do for Your IRA? Variable annuities offer a variety of benefits and features that can help enhance your retirement savings and income strategy, such as guaranteed lifetime income and optional living and death benefit protection.

4 Help Protect Retirement Income Income Protection for Your Future. The benefits of tax-deferral and professional money management are complemented by the variable annuity s incomeprotection options that work to protect your retirement income against retirement risks. Retirement risk factors, such as inflation, market downturns, when you retire and how long you spend in retirement, can impact your ability to sustain income for the duration of your retirement. Variable annuities provide solutions to mitigate these risks with a guarantee of income that cannot be outlived. When you are faced with the possibility of a retirement that lasts 20 years or longer, variable annuities in an IRA guarantee that income from your Required Minimum Distributions (RMD) lasts a lifetime. If investing in a variable annuity through a tax-advantaged retirement plan, such as an IRA, there is no additional tax advantage. Under these circumstances, purchasing a variable annuity should only be considered for its other features, such as lifetime income payments and death benefit protection. Living Benefit options available in the variable annuities offered at Morgan Stanley Smith Barney enhance the lifetime income-generation features with incomeprotection options. These options are available for an additional fee and work to assure your retirement income through the market s highs and lows. In a RISING Market Access the growth potential of the market s upside, while protecting your income base Protect appreciated assets by locking in gains to increase retirement income potential In a DECLINING Market Provide a floor beneath your retirement income base to produce a predictable level of income regardless of market performance

5 Guarantee a Legacy Your IRA beneficiary election not only provides a means to create a legacy, it also gives you the opportunity to extend that legacy to future generations. If properly structured, you can effectively stretch RMD payments to your designated beneficiary. Your beneficiary may in turn stretch the payments to their beneficiary. Stretching your payments enables you to: Generate a lifetime income stream for your beneficiaries Potentially reduce income tax by spreading the payments over time The ability to stretch RMD payments is one of the unique characteristics of an IRA. Funding your IRA with a variable annuity can help enhance this feature with access to death benefit options. It is important to consider that the stretch option should be elected only if you do not need the benefits of your IRA for retirement purposes. Further use of the stretch does not guarantee that benefits will be payable to any future beneficiaries. Income Protection for Your Heirs. Variable annuities offer death benefit options, that can be purchased for an additional fee, to provide income protection for your beneficiaries. By simply designating a beneficiary, you can save your loved ones the time and expense of probate and guarantee a legacy of income. In a RISING Market Protect increases in the account value by locking in gains to increase the death benefit amount Increase the death benefit amount by a certain percentage based on market performance In a DECLINING Market Provide options that grow the death benefit at a guaranteed compounding rate, regardless of market performance Guarantee at least a return of principal

6 Enhance Retirement Savings Access leading money managers, names you may already know, in a tax-deferred platform. Invest in a broad spectrum of variable investment options. Selections include large-, mid- and small-cap equity, fixed income, international and more. Below is a partial list of some of the money managers you can access in the variable annuities distributed by Morgan Stanley Smith Barney: American Funds Hartford Funds AllianceBernstein Davis Funds Legg Mason Fidelity Advisor Oppenheimer PIMCO Franklin Templeton VanKampen Balance your investment profile with your investment objectives while maximizing your return potential through asset allocation. Variable annuities offer asset-allocation modeling that provides a more customized approach to investing. Although diversification does not guarantee a profit or protect against loss, it is a useful strategy in helping to meet your investment objectives. Further, to help your investment stay on track, many variable annuities provide automatic portfolio rebalancing options that work to keep your portfolio allocation at optimal levels. Optimize your investment strategy with value-added programs such as Systematic Investment and Dollar Cost Averaging (DCA). Systematic Investment programs foster consistency in your savings strategy. DCA programs help you weather market volatility and tap into the growth potential of equities by allowing you to ease into the equity market. Note: Systematic investing or periodic investing does not assure a profit or protect against loss in declining financial markets. An investor should be prepared to continue the program of investing at regular intervals even during economic downturns.

7 Leading Insurance Companies Whether you re considering a variable annuity in your IRA to protect income for yourself or your beneficiaries, variable annuities distributed through Morgan Stanley Smith Barney are provided by insurance companies with some of the highest ratings in the industry as measured by leading consumer ratings agencies such as A.M. Best, Fitch, Moody s and Standard & Poor s. You can be confident in knowing that the guarantees are backed by the financial strength of the issuing company. If you re considering rolling over assets from an employer-sponsored plan or other retirement accounts, funding an IRA with a variable annuity affords you the opportunity to: Consolidate your retirement assets from multiple qualified accounts Consolidate fees if you already have multiple IRAs Transition assets to a platform that accommodates asset accumulation, income protection, lifetime income generation and wealth transfer Talk to your Morgan Stanley Smith Barney Financial Advisor about IRA rollovers and the possibility of funding your IRA with a variable annuity. Leveraging the resources of a global firm and state-of-the-art technology, your Morgan Stanley Smith Barney Financial Advisor can help with determining individual retirement income solutions that fit your lifestyle.

8 About Variable Annuities Please consider the investment objectives, risks, charges and expenses of a variable annuity before investing. The prospectus contains this and other information about the variable annuity. You can obtain a prospectus by contacting your Financial Advisor. Please read it carefully before investing. Morgan Stanley Smith Barney does not issue the variable annuities or provide any guarantees contained in the contracts. Optional benefits, such as living benefits and enhanced death benefits, are available for an additional fee. Variable annuities are long-term investment vehicles designed for retirement. There are risks involved when investing in a variable annuity, including possible loss of principal. Withdrawal and distributions of taxable amounts 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. Variable annuities are subject to market risk, will fluctuate in value and can lose money. Guarantees are subject to the claims-paying ability of the underlying insurance company and do not protect the safety or performance of the underlying accounts. This material was written to support the promotion or marketing of the transaction or matters addressed herein. It was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Each taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor.

9 About Qualified Assets If investing in a variable annuity through a tax-advantaged retirement plan, such as an IRA, there is no additional tax advantage. Under these circumstances, purchasing a variable annuity should be considered only for its other features, such as lifetime income payments and death benefit protection.

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12 Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC Morgan Stanley Smith Barney Black H-NY CS J06/09 CLF#

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