New options to help simplify your financial life

Many of us have been here: You try to log in to your bank or retirement account and after multiple attempts, you realize you just don’t know what your username or password is and don’t remember where you put them. Or you realize the account you really wanted to access is at a different financial institution. Or maybe this one: You're thinking about buying a new car but you're not sure how much you have available for a down payment.

Over time you’ve accumulated several accounts and now it’s become difficult to keep track of all your assets.

Many people find that their financial accounts end up spread too thin because they're using one brokerage firm for investments, several others for retirement savings and various banks for day-to-day finances and savings. Having an array of accounts can make it hard to get a clear picture of your actual net worth and hinder your ability to track your cash. So what can you do?

A smart option is to prune your financial accounts by consolidating providers. This can make it easier to not only meet your long-term investment goals but also meet your everyday cash management needs.

Consider simplifying your financial life by keeping your self-directed assets closer to your advised accounts, all while putting the power of Morgan Stanley to work for you. Along with brokerage account services, E*TRADE from Morgan Stanley clients can also enjoy:

• Cash credit for consolidating their assets with E*TRADE (for eligible clients).
• Banking powered by Morgan Stanley Private Bank that’s fully integrated with your E*TRADE accounts for easier money management.
• Retirement account choices such as a Rollover IRA for your old 401(k) plan assets from former employers.
• $0 commissions on online trades of U.S.-listed stocks, ETFs and mutual funds (exclusions and other fees may apply).
• Real-time market news, analyst reports, and exclusive Morgan Stanley research to guide your investment strategy.
• E*TRADE’s planning dashboard to see your plan’s projected outcomes at a glance.
• E*TRADE’s dedicated fraud-protection and cybersecurity program with multiple layers of protection.

The benefits of consolidation may also extend to simplifying your taxes and making it easier if you move or when you're traveling.

Consolidating your financial accounts may provide you with a clearer view of your financial picture. If you decide to consolidate some or all your assets, we can help you get started.

CRC# 5552999 (06/2026)