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What's New On Morgan Stanley Benefit Access

Benefit Access Information is now available on OneView!

You can now view your stock plan information on OneView, Morgan Stanley’s account data aggregation tool, if you have a Benefit Access account and a Morgan Stanley brokerage account, registered for access to Morgan Stanley (MS) Online. MS Online is the Firm’s wealth management client website.

OneView consolidates your assets and liabilities into a single, holistic view, no matter where they are located. See all your investments, deposits, loans, retirement plans, credit cards, life insurance and more summarized in a convenient web-based view for easier financial planning.

Getting Started:

  • Make sure you have a Morgan Stanley brokerage account.
  • Confirm you are registered for MS Online access (www.morganstanley.com/online).
  • Enroll in OneView (only if you are a first-time user).
  • Follow the step by step instructions in the Quick Reference flyer to add your Benefit Access account to OneView.

If you need any assistance, contact your Financial Advisor, visit OneView or call the Morgan Stanley Online Help Desk at 888-454-3965.

CRC1030009 10/2014

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2014 Step-By-Step Tax Guides Now Available


For your convenience, the updated 2014 tax guides are now available online to assist you when preparing your taxes. Please note that Morgan Stanley is required to report to the IRS the cost basis of any stock acquired on or after January 1, 2011, and subsequently sold. This includes stock acquired through stock option exercises and employee stock purchase plans (ESPPs). The cost basis requirement is explained in the new tax guides, but we will also post a message to your stock plan account with links to additional information about the changes to cost basis reporting.

To access the tax guides:

Once you have logged on to benefitaccess.com, go to the “Document Library” tab at the top of the page and select Forms then “Tax-Related” to view the following PDFs:

  • Filing Your Tax Forms After Exercising Your Non-qualified Stock Options
  • Filing Your Tax Forms After an Exercise of Incentive Stock Options
  • Filing Your Tax Forms After Selling Your Employee Stock Purchase Plan Shares
  • Filing Your Tax Forms After Selling Your Restricted Stock

Note: Participants will need Adobe Acrobat Reader® (PDF format) to view or print the PDF versions of these forms.

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U.S. Service Centers’ Extended Weekday Hours and Weekend Hours for Tax Season

Beginning February 2, 2015, through April 17, 2015, the Morgan Stanley Tax Reporting Service Center will be open Monday through Friday, 8:00 a.m. to 10:00 p.m. ET to assist participants with tax-related inquiries. Please note that the Tax Reporting Service Center will also have extended hours (8:00 a.m.– 10:00 p.m. ET) on February 16, 2015 (Presidents’ Day). Beginning February 7, 2015, Service Professionals will also be available on Saturdays and Sundays during tax season from 8:00 a.m. to 5:00 p.m. ET through April 12, 2015.

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2015 FICA Rates


FICA Rates

Social Security and Medicare taxes are referred to as FICA (“Federal Insurance Contributions Act”) taxes. Generally, FICA taxes are collected from the employee at a rate of 7.65% on gross earnings, which are earnings before any deductions are taken. The breakdown of FICA is 6.2% for Social Security (Old-Age, Survivors, and Disability Insurance or OASDI) and 1.45% for Medicare.

The OASDI (FICA1) tax rate for wages paid in 2015 is 6.2%. Effective January 1, 2015, the FICA maximum will be $118,500. This is up from the 2014 maximum of $117,000.

The Medicare rate remains at 1.45%, as well as the Medicare surtax under the Patient Protection and Affordable Care Act. The actual Medicare Tax obligation will be determined during the participant’s tax filing.

Source: http://www.socialsecurity.gov

AJCA Supplemental Withholding Rate

Under the American Taxpayer Relief Act (AJCA) the top income tax rate is 39.6%. AJCA requires withholding on supplemental income. Supplemental Income under $1,000,000 continues to be withheld at a flat tax rate of 25%. Supplemental income in excess of $1,000,000 must be withheld at the maximum tax rate in effect. To withhold at the 39.6% rate, you must provide supplemental income.

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eDelivery of Employee Stock Plan Account Documents

Morgan Stanley has an environmentally-friendly service that enables you to view statements, trade confirmations and tax documents securely and conveniently, online.

With eDelivery you get a service that is:

  • Faster: Morgan Stanley will send you an email as soon as your documents are ready for online viewing at benefitaccess.com.
  • Safer: You receive all eDelivery notifications via secure email, and documents are posted to your password-protected online account.
  • Easier: Documents are always available at benefitaccess.com for viewing, downloading and printing, from wherever you may be.

Log in and click on GO GREEN! to get started.

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Questions?


Please direct all inquiries to the Morgan Stanley Tax Reporting Service Center at 1-877-772-1099 or 1-801-617-7467.

Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. Clients should consult their personal tax advisor for tax-related matters and their attorney for legal matters.

© Morgan Stanley Smith Barney LLC. Member SIPC. CRC 1113574 02/2015



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