Self-Directed Retirement Account. Expanding your retirement plan s investment options. smithbarney.com

Transcription

1 Self-Directed Retirement Account Expanding your retirement plan s investment options smithbarney.com

2 When you give your employees access to a Self-Directed Retirement Account, you give them the ability to expand investment options and advisory services beyond the boundaries of a traditional retirement savings plan. INVESTMENT PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE

3 Help Your Employees Invest for a Successful Future Self-Directed Retirement Account Put the power and resources of one of the world s leading investment management firms to work for your employees. At Morgan Stanley Smith Barney, we understand that the services provided to retirement plans are constantly expanding, with investment options and personalized advice at the forefront. That s why we developed our Self-Directed Retirement Account, an individual brokerage account for retirement plan participants. With a Self-Directed Retirement Account, plan participants benefit from the experience, training and investment resources of a Morgan Stanley Smith Barney Financial Advisor. Working hand in hand with your employees, that Financial Advisor will help them develop personalized saving and investment strategies designed to meet their most important long-term objective: a comfortable retirement. 1

4 A Wide Range of Investment Choices Your plan participants will have access to a wide range of traditional brokerage investments and services including: Ability to buy individual stocks, bonds and exchangetraded funds (ETFs) Access to over 1,900 mutual funds Citi and Morgan Stanley Investment Research Professionally managed separate accounts Eligible for TRAK and the Smith Barney Advisor Program, with a broad range of securities including mutual funds, equities and fixed income 1 Online trading and other automated services offered through Morgan Stanley Smith Barney s industryleading Internet site, Roth 401(k) contributions can be made on an after-tax basis and transferred into a Self-Directed Retirement Account 2 1 TRAK and TRAK NAV are not available in Self-Directed accounts for 401(k) Advisor plans. 2 Participants receive two separate Self-Directed Retirement Account statements; one for the Roth account and one for the standard Self-Directed Retirement Account. 2

5 Combining Investment and Retirement Plan Capabilities A Self-Directed Retirement Account combines traditional brokerage services with the plan recordkeeping and communication technology of ING. Through your plan s interactive voice response (IVR) system, the participant service center or website, your plan participants will be able to: Request transfers to their Self-Directed Retirement Account Access plan balances and other important account information Through your plan s website, participants may link to Morgan Stanley Smith Barney s Internet site, to view individual security positions or enter trades in their individual brokerage accounts. 3 When financial objectives change, or plan participants reach retirement age, their Morgan Stanley Smith Barney Financial Advisor will help them continue to make sound decisions for their financial future. 3 Internet trading through may not be available for all plans or securities and funds. 3

6 Protecting Your Employees Retirement Savings While self-directed accounts provide participants with the flexibility to select among a wide spectrum of investment programs, certain investments may be inappropriate for retirement accounts or administratively disallowed. These may include company stock, limited partnerships and insurance products. 4 4 Refer to the Recordkeeping Services Agreement for a list of trading restrictions. 4

7 Enhanced Reports for Participants and Plan Sponsors Each employee with a Self-Directed Retirement Account will receive a separate monthly brokerage statement, if there is activity in his or her account. In addition, the Morgan Stanley Smith Barney Consolidated Summary For Retirement Plans will provide you with a comprehensive quarterly report combining the portfolio details of all self-directed brokerage accounts an invaluable tool to assist in the preparation of the required Internal Revenue Service Form 5500 report that you are required to file for your plan. Call your Morgan Stanley Smith Barney Financial Advisor for more information about this personalized investment and retirement savings opportunity. Let our Self-Directed Retirement Account open the door today to help you seek a successful and secure financial future for your plan participants. 5

8 Investment Products: Not FDIC Insured No Bank Deposit May Lose Value Morgan Stanley Smith Barney LLC, its affiliates, and its employees are not in the business of providing tax or legal advice. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties. Tax-related statements, if any, may have been written in connection with the promotion or marketing of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. TRAK is a registered service mark of Morgan Stanley Smith Barney LLC. All rights reserved Morgan Stanley Smith Barney LLC. Member SIPC JV KP /09