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Our Versatile Investment Program (VIP) Series features several IRS-approved prototype retirement plans allowing eligible employers to offer tax-saving retirement benefits to themselves and their employees.
The VIP Basic Plan -- for small, closely held businesses with a limited number of employees -- and the VIP Plus -- for larger businesses seeking greater plan design -- provide flexibility as they enable you to establish a 401(k) Plan, Profit Sharing Plan, Money Purchase Plan or combination Profit Sharing/Money Purchase Plan. They give you the ability to tailor your VIP Program to the specific needs of your company.
Using an IRS-approved plan document and a Morgan Stanley Smith Barney brokerage account, your VIP Series plan helps you reduce the usual time and expense associated with drafting a plan document and helps employees better manage plan assets.
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IRS-approved prototype plan document. |
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Contribution flexibility, allowing for both employer and employee contributions. |
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Investment flexibility within a special brokerage account that may invest in publicly traded securities, Unit Trusts, Certificates of Deposit and Mutual Funds. |
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Low annual fees. |
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Automatic daily sweep of uninvested cash balances into a money market fund. |
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Asset protection. |
The VIP Series automatically updates plan documents in response to tax and pension law changes.
Our retirement planning services are not financial planning (unless they are specifically called financial planning). They do not create an investment advisory or a fiduciary relationship (including under ERISA) between you and Morgan Stanley Smith Barney. Morgan Stanley Smith Barney will prepare a financial plan at your specific request through Morgan Stanley Financial OutlookSM.
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