Home >  Education >     Retirement           Retirement Planning Basics   Planning for the Future To live comfortably after you retire, you have to be realistic about how much you'll need to pay the bills. Personal Investing Goals Chances are, living the life you want after you retire will depend on your investment income.   Individual Retirement Accounts (IRAs)   IRAs - What They Are IRAs are retirement plans for individuals that are easy to set up. IRAs - Weighing the Merits It's hard not to love your IRA, and it's smart to understand how it works.         For more information       Begin your journey to financial success. Get started           Branch Locator | Site Map | Privacy | Terms of Use | Disclosures | Morgan Stanley & Co. Incorporated Financial Statement     The Global Wealth Management Group of Morgan Stanley & Co. Incorporated and the Smith Barney division of Citigroup Global Markets Inc. have combined into Morgan Stanley Smith Barney LLC, a new investment adviser and broker-dealer registered with the Securities and Exchange Commission.   In general, references to Morgan Stanley in this section of the site should be read as Morgan Stanley Smith Barney; however, some services will continue to be provided by Morgan Stanley & Co. Incorporated. Click here to read the Statement of Responsibilities, which explains the respective roles and functions of Morgan Stanley and Morgan Stanley Smith Barney.   The information and services provided on the website are intended for persons in the U.S. only. Non-U.S. persons are directed to our Global Offices page.   © 2009 Morgan Stanley Smith Barney LLC, member SIPC. All rights reserved.