Finally, variable annuities have proven to be a valuable estate planning vehicle for wealthy families that choose to fund trusts with them instead of stocks, bonds or other assets. Unlike traditional asset classes, variable annuities offer the ability to rebalance positions and change your asset allocation with no taxation on gains.

Boosting Retirement Confidence

The EBRI Survey found that investors participating in retirement plans have more confidence than those who don't. Whether you have access to a plan at work or not, consult with your Morgan Stanley Financial Advisor to find out how to counter the challenges most likely to derail your retirement aspirations." />
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