Qualified Retirement Plan Disclosure Documents and Agreements

The purpose of this website is to provide you, as an existing or prospective Morgan Stanley Smith Barney LLC (“Morgan Stanley”) qualified retirement plan (“QRP”) fiduciary/sponsor client, with access to disclosure documentation in order to meet the requirements of the U.S. Department of Labor regulations under Section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended ("ERISA") and other information regarding your existing or prospective relationship with Morgan Stanley. Morgan Stanley is required to provide certain information regarding our services and compensation to assist you—as a plan fiduciary/sponsor—in assessing the reasonableness of your plan's contracts or arrangements, including the reasonableness of Morgan Stanley’s compensation.

This website includes the required disclosure documents by retirement plan type (i.e., RPM, VIP or SDRA), to provide you with the service and compensation disclosures that could potentially apply to your QRP.

We suggest that you begin by reviewing the main QRP Disclosure Document (entitled as such), which will in some cases direct you to other "referenced disclosure documents" (that have also been made available on this website) for additional information regarding the offered services and Morgan Stanley's compensation. These disclosure documents, and any updates to them, can also be accessed electronically on this website (but you can, of course, request hard copies of these documents as updated from time to time).

We would also like to inform you that, as further described in the QRP Disclosure Document, you, as a plan fiduciary/sponsor, will be receiving communications that will provide information about any service or compensation changes that could potentially impact your plan.

Please note that some information in these disclosure documents may be helpful to you in creating participant disclosure under ERISA Section 404a-5, which requires plan sponsors/administrators to provide certain information to plan participants.

Should you have any questions or requests, please reach out to your Financial Advisor or call the Client Support line at 800-688-3462.

• Qualified Retirement Plan Disclosure Document 
• Supplement to the Qualified Retirement Plan Disclosure Document 
• Important Information About Your Morgan Stanley Wealth Management Account 
• RPM Account Application & Agreement
• Our Role and Fiduciary Acknowledgment with respect to Retirement Accounts

• Qualified Retirement Plan Disclosure Document 
• Supplement to the Qualified Retirement Plan Disclosure Document 
• Important Information About Your Morgan Stanley Wealth Management Account 
• VIP Defined Contribution (DC) Account Application & Agreement 
• Our Role and Fiduciary Acknowledgment with respect to Retirement Accounts

• Qualified Retirement Plan Disclosure Document 
• Supplement to the Qualified Retirement Plan Disclosure Document 
• Important Information About Your Morgan Stanley Wealth Management Account 
• Self Directed Retirement Account Application & Agreement  
• Our Role and Fiduciary Acknowledgment with respect to Retirement Accounts

CRC 6189184 01/2024