Take the Next Step on Your Stock Plan Journey

Everyone wants the freedom to retire on their own terms—and that typically requires a certain amount of financial flexibility. But when resources are limited, it’s natural to prioritize day-to-day obligations over saving for the future.

Morgan Stanley at Work is your primary resource for managing your stock plan benefits. To enhance your stock plan experience, your Morgan Stanley at Work stock plan account can now be linked to an E*TRADE brokerage account and integrated with your stock plan.

 

Please note if you are registering for a stock plan  account for the first time, you are required to open an E*TRADE brokerage account or link an existing, eligible1 E*TRADE brokerage account in order to complete the stock plan account creation process.  If you are an existing stock plan account user, there will be a deadline for you to open a new E*TRADE brokerage account or link an existing, eligible E*TRADE brokerage account.  If you do not open an E*TRADE brokerage account or link an existing, eligible E*TRADE brokerage account by the deadline, you will no longer be able to access your stock plan information online..  You will continue to have access to your dedicated service team by telephone if you have questions or would like to initiate a stock plan transaction.

 

1 Eligible accounts include most E*TRADE individual brokerage accounts

 

 Benefits of the Morgan Stanley at Work Relationship  |  Frequently Asked Questions

 

Have an existing E*TRADE brokerage account?

 

If you already have an E*TRADE brokerage account, you can link that account with your stock plan  account. Then, when you sell your stock plan shares, you can receive your proceeds in that linked E*TRADE brokerage account. Just click on the “Open or Link Now” button in your stock plan account offer to elect to link your existing E*TRADE brokerage account. 

Benefits of the Morgan Stanley at Work relationship

Morgan Stanley at Work gives you access to advisory and brokerage capabilities, all in one place. 

Benefits of Morgan Stanley at Work

  • Educational resources to help you make confident financial decisions
  • Seminars and digital webinars to prepare you for your financial journey ahead
  • Complimentary One on One financial consultation with a Morgan Stanley Financial Advisor to offer personalized guidance

Benefits of an E*TRADE Brokerage Account

  • $0 commissions for online US-listed stock, ETF and options trades2 and no account minimum or maintenance fees3
  • A full range of investment choices, including stocks, options, mutual funds, ETFs and more
  • Easy-to-use investing and planning tools on desktop and mobile with 24/7 support

FAQ

General

  1. Q
    Why am I required to open an E*TRADE brokerage account for my stock plan?

    Morgan Stanley at Work is continuously working to make enhancements to your stock plan experience. With that goal in mind, we are linking the E*TRADE brokerage account to your stock plan account. In the future, available shares and any cash will automatically transfer from your stock plan account to your linked E*TRADE brokerage account.  You will receive notice of the date when automatic transfers will be initiated.

  2. Q
    What happens if I already have an E*TRADE brokerage account?

    If you already have an E*TRADE brokerage account, you can link that account with your stock plan account. When you receive a notice of this opportunity in your stock plan account, just click on the “Open or Link Now” button in to elect to link your existing E*TRADE brokerage account. 

  3. Q
    What happens to my shares if I don’t open an E*TRADE brokerage account?

    Your shares will remain in your stock plan account.  However, if you do not open an E*TRADE brokerage account or link an existing, eligible E*TRADE brokerage account when required, you will no longer be able to access your stock plan account online.  You will continue to have access to your dedicated service team by telephone if you have questions or would like to initiate a stock plan transaction.

  4. Q
    Will I be able to read the account agreement and disclosures after my E*TRADE brokerage account is open?

    Yes. You can see all disclosures, including your account agreement at https://us.etrade.com/forms-applications/others#tab_0.

  5. Q
    What if I am a new user and activating my stock plan account for the first time?

    If you are a new user registering for a stock plan account for the first time, you are required to open an E*TRADE brokerage account or link an existing, eligible E*TRADE brokerage account in order to complete the stock plan account creation process. Your stock plan account and E*TRADE brokerage account will work together to provide you with a seamless experience. 

Account Opening

  1. Q
    How do I open an E*TRADE brokerage account?

    At the time of creation of a new stock plan account or upon logging in to an existing account, you will see an offer in front of your home screen which asks you to open an E*TRADE brokerage account. At the bottom, click on the "Open Now" button and you will be taken to the account-opening screen.

  2. Q
    How do I know if I am eligible to open an E*TRADE brokerage account?

    When you log in to your stock plan account, if you see an offer window asking you to open your E*TRADE brokerage account, then you are eligible to open the account and can click on the "Open Now" button to open your E*TRADE brokerage account.

     

    Generally, eligible participants are U.S residents who are not directors, officers and insiders (Section 16 and/or Rule 144 filers are not eligible for the E*TRADE account.)

  3. Q
    Why am I required to provide personal information?

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Fees

  1. Q
    What commission fees are there associated with this E*TRADE brokerage account?

    E*TRADE charges $0 commission for online US-listed stock, ETF, and options trades. Exclusions may apply and E*TRADE reserves the right to charge variable commission rates. The standard options contract fee is $0.65 per contract (or $0.50 per contract for customers who execute at least 30 stock, ETF, and options trades per quarter). The retail online $0 commission does not apply to Over-the-Counter (OTC), foreign stock transactions, large block transactions requiring special handling, transaction-fee mutual funds, futures, or fixed income investments. Service charges apply for trades placed through a broker ($25). Stock plan account transactions are subject to a separate commission schedule. Additional regulatory and exchange fees may apply. For more information about pricing, visit etrade.com/pricing.

  2. Q
    Is there a minimum balance or an annual maintenance fee for the E*TRADE brokerage account?

    There are no minimum3 balance or maintenance fees for your E*TRADE brokerage account. For more information about pricing, visit etrade.com/pricing.

  3. Q
    Is there a fee for dividend reinvestment in this linked E*TRADE brokerage account?

    No, there is no fee for dividend reinvestment.

  4. Q
    Is there a fee for holding American Depository Receipts (ADRs) in this linked E*TRADE brokerage account?

    American Depository Receipts (ADRs) custody fees range between $.005 - $.05 per share.   For more information about pricing, visit http://www.etrade.com/pricing

Benefits

  1. Q
    Do I have the ability to earn interest on my cash in my E*TRADE brokerage account?

    Yes. For more information, go to https://us.etrade.com/l/options-uninvested-cash/sweep-rates.

  2. Q
    What are the benefits of having an E*TRADE brokerage account?

    Visit https://www.morganstanley.com/atwork/participant/stock-plan-basics to learn more about the benefits of activating and linking an E*TRADE brokerage account to your stock plan account.

Stock Plan Transactions

  1. Q
    Where do I see my vested and unvested shares?

    You can log in to your stock plan account to see your vested and unvested shares.

  2. Q
    When will my shares be transferred to my E*TRADE brokerage account?

    In the future, available shares and any cash will automatically transfer from your stock plan account to your linked E*TRADE brokerage account.  You will receive notice of the date when automatic transfers will be initiated.

E*TRADE Brokerage Account

  1. Q
    How do I move my cash proceeds from my stock plan account to my E*TRADE brokerage account?

    After you have opened your E*TRADE brokerage account, this account will be displayed as a disbursement option in your stock plan account. You would select "E*TRADE Account" to send cash to this account. 

  2. Q
    Where can I see my cash proceeds or share transfer history?

    Stock plan transaction history activity will be recorded in your stock plan account, including any cash or shares transferred to your E*TRADE brokerage account.

  3. Q
    How do I log in to my new E*TRADE brokerage account?

    You can either: a) log in directly at E*TRADE.com; or b) log in to your stock plan account and then navigate to your linked E*TRADE brokerage account from your stock plan account dashboard screen.  As a reminder, the sites maintain separate terms of use and privacy policies.

    If you access your stock plan account through Single Sign-On (SSO) from your company’s network, you may be required to log in at E*TRADE.com if you navigate to your E*TRADE brokerage account from the stock plan account dashboard. 

  4. Q
    How do I link my E*TRADE brokerage account to my stock plan account?

    Your new or existing E*TRADE brokerage account will be linked automatically once you open or link the account from your stock plan account.

  5. Q
    Can I transfer an account or assets from another firm?

    Yes. For more information about transferring accounts and assets into your E*TRADE brokerage account, please visit https://us.etrade.com/frequently-asked-questions/open-an-account.

  6. Q
    Are there funding requirements for a brokerage account?

    There are no minimum funding requirements on your E*TRADE brokerage account.

  1. Q
    When will my funds be available to invest?

    Once you have set up and initiated a transfer, funds may take up to three business days to be available in your account. Transfers from your stock plan account (unless to an IRA) are immediate. You can log in to your E*TRADE brokerage account to see your transfer status. 

  2. Q
    How do I reset my User ID or Password for E*TRADE?

    To retrieve your User ID, visit https://us.etrade.com/etx/user/recoveruserid. To reset your password online, visit https://us.etrade.com/etx/user/resetpassword.

  3. Q
    Where do I get my tax statements for E*TRADE?

    You can visit the Tax Center for all your tax information needs.

  4. Q
    Will I receive tax documents from E*TRADE and from Morgan Stanley at Work?

    Yes. You will receive a Form 1099 separately from Morgan Stanley for your stock plan account and from E*TRADE for your E*TRADE brokerage account.

  5. Q
    Can I add a beneficiary to my E*TRADE brokerage account?

    Yes. You can add a beneficiary by completing the online form on etrade.com or calling the dedicated service line at 800-367-4777.

Brokerage Transactions

  1. Q
    Can I exercise my stock options in my E*TRADE brokerage account?

    No. If you would like to exercise a stock option, please log in to your stock plan account to do so.

  2. Q
    Can I buy and sell mutual funds in my E*TRADE brokerage account?

    Yes.  Visit https://us.etrade.com/what-we-offer/investment-choices/mutual-funds  to learn more.

  3. Q
    How do I place a trade in my E*TRADE brokerage account?

    For information on how to place a trade, visit https://us.etrade.com/frequently-asked-questions/investing-trading.

  4. Q
    If I have a Financial Advisor, can he/she transact on my behalf in my E*TRADE brokerage account?

    No. This is a brokerage account and a Financial Advisor is prohibited from assisting with transactions in your E*TRADE brokerage account.

  5. Q
    What are my options to earn interest in my E*TRADE brokerage account?

    You can go to https://us.etrade.com/l/options-uninvested-cash/compare-sweep-options/brokerage  to view the options available at E*TRADE for your uninvested cash, including current rates of return.

Other

  1. Q
    If I think I have been a victim of fraud in my E*TRADE brokerage account, who should I contact?

    You should contact us immediately at: 800-367-4777.

  2. Q
    Will vested stock plan shares automatically move into the linked E*TRADE brokerage account?

    In the future, vested shares will automatically transfer from your stock plan account to your E*TRADE brokerage account.  You will receive notice of the date when automatic transfers will be initiated.

  3. Q
    Will I receive statements from E*TRADE and Morgan Stanley at Work?

    Yes. You will receive a quarterly statement from Morgan Stanley at Work which reflects your stock plan account activity and balances. Additionally, you will receive monthly statements from E*TRADE for your E*TRADE brokerage account if you have any activity within the prior month.

  4. Q
    If I leave my employer, what will happen to shares that are in my E*TRADE brokerage account?

    If you leave your employer or are terminated, you will be able to keep your vested shares in your E*TRADE brokerage account.

  5. Q
    Who do I contact if I have questions?

    As a stock plan account participant, you have access to a dedicated service line for help with your stock plan account and your E*TRADE brokerage account. Call 800-367-4777 to speak to a service professional.

Still have questions?

CONTACT US AT (800)-367-4777.

1 Eligible accounts include most E*TRADE individual brokerage accounts

2 E*TRADE charges $0 commission for online US-listed stock, ETF, and options trades. Exclusions may apply and E*TRADE reserves the right to charge variable commission rates. The standard options contract fee is $0.65 per contract (or $0.50 per contract for customers who execute at least 30 stock, ETF, and options trades per quarter). The retail online $0 commission does not apply to Over-the-Counter (OTC), foreign stock transactions, large block transactions requiring special handling, transaction-fee mutual funds, futures, or fixed income investments. Service charges apply for trades placed through a broker ($25). Stock plan account transactions are subject to a separate commission schedule. Additional regulatory and exchange fees may apply. For more information about pricing, visit https://us.etrade.com/what-we-offer/pricing-and-rates.

3  Transaction fees, fund expenses and service fees may apply.

NOT ALL PRODUCTS AND SERVICES ARE AVAILABLE IN ALL JURISDICTIONS OR COUNTRIES.

Employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc., Solium Capital LLC, Solium Plan Managers[LK(M1]  LLC and Morgan Stanley Smith Barney LLC (“MSSB”), which is part of Morgan Stanley at Work.​ 

​Morgan Stanley at Work services and stock plan accounts are provided by wholly owned subsidiaries of Morgan Stanley.​

Morgan Stanley at Work stock plan accounts were previously referred to as Shareworks, StockPlan Connect or E*TRADE stock plan accounts, as applicable.​

​In connection with stock plan solutions offered by Morgan Stanley at Work, securities products and services are offered by MSSB, Member SIPC. ​

E*TRADE from Morgan Stanley is a registered trademark of MSSB.​

​All entities are separate but affiliated subsidiaries of Morgan Stanley. ​

Content and services available to non-US participants may be different than those available to US participants.​

​The laws, regulations, and rulings addressed by the products, services, and publications offered by Morgan Stanley and its affiliates are subject to various interpretations and frequent change. Morgan Stanley and its affiliates do not warrant these products, services, and publications against different interpretations or subsequent changes of laws, regulations, and rulings. Morgan Stanley and its affiliates do not provide legal, accounting, or tax advice. Always consult your own legal, accounting, and tax advisors.​

​© 2023 Morgan Stanley. All rights reserved. 

CRC#6151435  (12/2023)

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