Corporate Client Group

Home | About Us | Contact Us | Site Map | Privacy

While Morgan Stanley Smith Barney believes in the importance of participant communication, many plan participants want more help to invest their money wisely.

To deal effectively with the concerns of inadequate contribution rates and unsuitable asset allocation, we go beyond mere participant education to provide personalized, specific investment advice. Now, based on the asset allocation recommendations of the Morgan Stanley Smith Barney Consulting Group, plan participants can receive investment advice on:

Which funds to invest in*
How much to allocate to each portfolio
When to change their allocation

•	Based on participants' time horizons and risk tolerance levels
•	Provides fund-specific recommendations*
•	Ongoing asset allocation recommendations

Advice is provided to employees through Morgan Stanley Smith Barney's Participant Investment Planner^sm. Participants complete a questionnaire designed to gather information on their retirement goals, financial status, risk tolerance and time horizon. Based on this information, The Morgan Stanley Smith Barney Consulting Group sends each participant fund-specific asset allocation recommendations.

Online Advice Services

Now it's easier than ever for participants to receive personalized investment advice. Through our online services, participants can complete a Questionnaire and receive a new recommendation at any time and as many times as they like—particularly important with changing life circumstances and market conditions.

We believe the investment advice we give to employees could prove vital in helping them reach their retirement goals faster, easier and with greater confidence than they might on their own.

* Investors should consider the Fund’s investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the fund. To obtain a free prospectus, please call your financial professional. Please read the prospectus carefully before investing.

For additional questions on our corporate services please click here to send us an e-mail.


www.smithbarney.com Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.		Privacy, Business Continuity for U.S. Customers