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1 Employee Financial Wellness Study, conducted by the Financial Health Network on behalf of Morgan Stanley. Data comes from a survey of 1,000 U.S. workers employed full time for companies with more than 500 employees. The survey was conducted on behalf of the Financial Health Network in November and December 2018 by Greenwald & Associates, with strategic contributions and financial support from Morgan Stanley. Morgan Stanley Smith Barney LLC is not implying an affiliation, sponsorship, endorsement with/of the third-party or that any monitoring is being done by Morgan Stanley Smith Barney LLC (“Morgan Stanley”) of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

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CRC#3061782 (05/2020)