Free Financial Advice for ProTec Employees

Did you know that ProTec employees have access to Morgan Stanley financial advisors at no cost?

These advisors are available to answer questions about:

• Retirement planning
• Investments
• Wealth and financial planning
• Estate planning
• Roth and Traditional IRAs
  

And best of all, there is no charge for this service. It is available to you simply because you are a ProTec employee.

When Should You Talk to an Advisor?

Morgan Stanley recommends checking in with a financial advisor at least once a year. Even if nothing significant has changed, an annual conversation is a great opportunity to review your goals, investments, retirement strategy, and overall financial picture.

It is especially important to check in when something in your life changes. Getting married, buying a home, having a child, changing jobs, receiving an inheritance, approaching retirement, or experiencing another major financial event can all be good reasons to review your financial plan.

Roth IRA or Traditional IRA — What's the Difference?

One question Morgan Stanley would like employees to better understand is the difference between a Roth IRA and a Traditional IRA.

With a Traditional IRA, you may receive a tax benefit when you contribute, depending on your individual circumstances. Your money can grow tax-deferred, and you generally pay income taxes when you withdraw the money in retirement.

With a Roth IRA, you contribute money that has already been taxed. You don't receive an upfront tax deduction for the contribution, but qualified withdrawals in retirement are generally tax-free.

So, which is better?

Take Advantage of This Benefit

Financial planning isn't just for people who already have significant savings or investments. An advisor can help whether you're trying to figure out where to start, working toward buying your first home, preparing for retirement, or simply wondering, "Am I doing the right things with my money?"

We encourage every ProTec employee to take advantage of this benefit and schedule an annual financial check-in with Morgan Stanley.

You can reach out to Jennifer Werve, Senior Vice President (Jennifer.Werve@morganstanley.com 858-729-5142) or Dan Haskard, Senior Vice President (Daniel.Haskard@morganstanley.com 858-729-5141).