Decision Making: Your decision -making guide

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1 E * TRADE securities accounts are provided by E * TRADE Securities LLC, a registered brokerage firm. E*TRADE charges a $ 0 commission for US -listed stocks, ETFs and options markets. It may be waived, and E*TRADE reserves the right to pay any variable commission fees. The standard option contract fee is $ 0.65 per agreement (or $ 0.50 per agreement for buyers who execute at least 30 assets, ETFs and option traders per quarter). The $ 0 commission does not apply to over-the-counter (OTC) online retail sales, foreign retail sales, large blockchain retailers that require special service, financial transactions, futures. No fixed investments. Service fees apply for purchases placed through the tenant ($ 25). Financial accounting practices are linked to a separate commissioning process. Additional maintenance fees may apply. To learn more about pricing, visit

Equilibrium safeguards can change in response to news about industry, industry, market conditions and the economy. Companies that pay for shares may reduce or eliminate fees at any time.

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Investing in an exchange -traded fund involves risks such as investing in an established portfolio of equity securities purchased by buying on the equity market, e.g. with market changes caused by factors such as economic and political growth, changes in interest rates. and identify the nature of the cost values. The return and value of ETF investments will change so that the value of the investor’s ETF shares, whether or not sold, is more valuable than the price.

Investors should carefully consider the investment objectives, risks, fees and costs of a different investment fund and exchange -traded fund (ETF) before investing. This and other information about the fund and ETF is included in the prospectus. To obtain a prospectus, call your Financial Advisor or visit the company’s treasury and ETF website. Read the prospectus carefully before investing.

ESG plans may include financial impact and/or Environmental, Social and Governance (ESG) factors in the implementation of financial reporting in the event of departure from other plans or indicators. broad market, depending on the likes and dislikes of those segments or investors in the market. As a result, there is no guarantee that ESG interventions can result in more efficient investment performance.

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This material is provided for informational purposes only. It does not provide structured advertising advice. It is prepared without regard to the financial situation or goals of the recipients. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) encourages investors to independently review their investments and plans and encourages investors to seek the advice of Morgan Stanley Financial Advisor. The suitability of an investment or design depends on the position and goals of the investor.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Consumers should consult their tax advisor for tax and tax purposes and their attorney for trust and financial planning and related matters. law.

Morgan Stanley offers a wide range of consulting and advisory services to its clients, each of which can create a unique relationship with different responsibilities for you. Please consult with your Financial Advisor to understand these differences.

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CRC#4761972 (06/2022)

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