温馨提示：本站仅提供公开网络链接索引服务，不存储、不篡改任何第三方内容，所有内容版权归原作者所有
AI智能索引来源：http://www.ms.com/atwork/employees/deferred-compensation
点击访问原文链接

Employee Deferred Compensation Plan | Morgan Stanley at Work

进入原网站 导航首页
Employee Deferred Compensation Plan | Morgan Stanley at Work For Employees For Employers Role Selection For Employees For Employers Support Log In Employee Employers Log In Employee Employers Workplace Benefits Learn how to make the most of your benefits. Equity Compensation

Put your stock plan awards to work to help reach your financial goals.

Retirement

Plan for your retirement journey and explore resources to help secure a financially sound future.

Deferred Compensation

Access personalized guidance on how NQDC plans can help fund major life events.

Executive Services

Make the most of your awards with a trusted team by your side.

Learning Center Learning Center Overview Our in-depth education breaks down complex ideas and helps you build financial knowledge and confidence. Explore More SELECTED TOPICS Manage Equity Compensation Understand how stock options work and learn how to make the most of your equity compensation. View topic Prepare for Retirement Learn how to start saving early, build your financial roadmap and take advantage of your employer-sponsored plan to create the future you want. View topic Navigating Change Find out how transitions—yours and your company’s—may impact your equity awards and other workplace benefits. View topic Tax Resources Find tax-related insights, exclusive events, how to access your tax forms and more. View topic What's Trending? Manage Equity Compensation Equity Compensation and Your Financial Plan: Where To Start Getting Started You Work Hard, Make Your 401(k) Plan Work Harder Explore More Explore More Discover what's beyond your workplace benefits and take full advantage of the power of Morgan Stanley. Financial Advice

Plan, invest and prepare for the future with help from our experienced 
Financial Advisors.

Trading & Investment Accounts

Take advantage of self-directed trading and investment accounts.

Banking

Enjoy modern banking powered by Morgan Stanley Private Bank.

Perks

Explore curated offers and discounts on popular brands in wellness, travel, apparel, gifts and more.

CLEAR Workplace Benefits - For Employees Deferred Compensation A Nonqualified Deferred Compensation (NQDC) plan can help eligible individuals fund major life events and achieve their financial goals. Because NQDC plans are unique, a Morgan Stanley Financial Advisor can help provide personalized guidance, education and insights to help you make the most of your benefit. Already participating? LOG IN   

 

Why Consider a Nonqualified Deferred Compensation Plan?

An NQDC plan generally allows you to defer a portion of your compensation, and related federal and state income taxes, to a later date. Depending on the terms of your plan, you may be able to use your deferral to help you fund important financial milestones and bridge a potential retirement income gap to help you achieve the retirement you envision.

Learn How an NQDC Plan Works   

Explore How a NQDC Plan May Help Fund Various Financial Goals

Please note, the scenarios represented are a general representation of how a NQDC plan may help fund financial goals. The ability to execute the sample strategies will depend on the terms of your plan. Consult your plan document for your particular plan provisions.

Share

now playing Morgan Stanley at Work Destination Retirement Savings 000 https://players.brightcove.net/644391012001/default_default/index.html?videoId=6363241765112

now playing Morgan Stanley at Work Managing Taxes on Equity Awards 000 Hector, a CFO at a public tech company, has equity compensation vesting this year. He wants to defer his awards while managing taxes. His employer's NQDC plan can help him accomplish his goals. now playing Morgan Stanley at Work College Education Savings 000 Naomi, a bank Chief Human Resources Officer, considers her company's NQDC plan to help her save for her children's college education. She likes that the plan can be used to help meet her family's needs. now playing Morgan Stanley at Work Dream Vacation Home Purchase 000 Tom is a senior tax accounting manager. He decides to tap his firm's NQDC plan to reduce his current taxable income and save to buy a vacation home in five years.  now playing Morgan Stanley at Work Retirement Relocation 000 Hoping to take advantage of Florida's tax-friendly rules for retirees, VP of Communications, Keisha, plans to relocate from New York to the Sunshine State when she retires. She turns to her company's NQDC plan to defer taxes today and time her distributions to help her benefit from Florida's tax perks in retirement. now playing Morgan Stanley at Work Bridging a Retirement Income Gap 000 Kwame, a senior partner at a law firm, needs to close a sizable retirement income gap so he can make his dreams of traveling with his wife and dog a reality. His NQDC plan can help him bridge his projected retirement income gap while lowering his current taxable earnings. The Benefits of a Nonqualified Deferred Compensation Plan Reduce Current Federal and State Income Tax Liability Unlike traditional retirement plans, there are no IRS contribution limits on your deferred compensation, but there may be limits under the plan. In addition, those deferrals are not subject to current federal and state income taxes, so you may be able to reduce your tax liability for the years that you defer.1  Plus, potential notional earnings grow on a tax-deferred basis, which may help your savings grow faster.

Fund a Retirement Income Gap Even if you contribute the maximum to your 401(k) or 403(b) plan, you could experience a shortfall when trying to replace your employment income in retirement. Deferring a portion of your current compensation under your NQDC plan may help you achieve your standard of living goal in retirement and may allow you to create a systematic retirement income stream.

Fund Interim Financial Goals When you make your annual deferral elections, you may have the opportunity to align the timing and method of distributions with different financial goals, like funding life events and major purchases, that occur throughout your career. 2

Create a Tax-Aware Retirement Income Distribution Strategy If your plan permits installment payments, you may have the ability to arrange your distributions to potentially spread the federal and state income taxes due over multiple years, creating the opportunity to help manage your future income tax liability.

Each NQDC plan is unique and carries risk. For details on your plan’s provisions, please refer to your plan document or contact your Human Resources benefits representative. Because NQDC plans have special considerations and complexities, before you enroll or make any elections you should consult your own tax and legal advisors to determine whether participating in a nonqualified deferred compensation plan is right for you.

  

Log In To Access Your NQDC Account If you’ve already enrolled in deferred compensation with your employer, you may log in below to access your account. If you are eligible to participate and haven’t enrolled yet, please reach out to your employer for more information on how to get started. 

The NQDC annual enrollment period generally takes place in the fourth quarter, and elections must be made for each plan year. Keep an eye on your inbox for annual NQDC enrollment window communications. 

LOG IN Empower Your Financial Future Explore educational resources designed to help you reach your financial goals and make the most of your workplace benefits.

Executive Services How I Help Executives Save With NQDC Plans Your Career As a Financial Advisor, Here Are 5 Things I Tell Executives Tax Planning 6 Tips for Executives During Tax Season and Beyond 1 The time and form of distribution must be selected at the time of the deferral election and generally cannot be accelerated. Notional investments do not reflect an interest in, or control over, real investments, but are used to determine the amount payable to the employee in the future.  Contributions to, and earnings under, the plan are generally subject to FICA and FUTA taxes once they become vested. 

2 Subject to your specific NQDC plan provisions. 

Nonqualified deferred compensation plan recordkeeping services are part of Morgan Stanley at Work solutions are offered by E*TRADE Financial Corporate Services, Inc., a wholly owned subsidiary of Morgan Stanley.

Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley. 

©2025 Morgan Stanley Smith Barney LLC, Member SIPC 

CRC#4795222  (10/2025)

View Disclosures Hide Disclosures Follow Us On Disclosures Contact Us MorganStanley.com Your Privacy Choices Privacy & Cookies Terms of Use Careers Global Offices Equal Employment Opportunities

© 2026 Morgan Stanley. All rights reserved.

智能索引记录