EXCLUSIVE MORGAN STANLEY 401(K) OFFER

You build your business. Let’s build your retirement.

With Morgan Stanley 401(k), powered by Vestwell, your next big closing becomes more than a win this quarter. Get $0 fees for your first 3 months¹ and exclusive savings to build long-term wealth as a real estate professional.
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Built for variable income

A retirement plan built for how you actually get paid.

Commission checks are big, irregular, and nothing like a steady paycheck. Morgan Stanley 401(k) is a retirement plan designed around that reality — not a salaried-employee product awkwardly fitted to your business.

  • Irregular income? Built in from the start.

  • No salaried-employee product forced to fit.

  • A plan shaped around commission, not around a paycheck.

Start your 401(k) in minutes, fully online, with support whenever you need it.

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Our Value

Why real estate professionals choose Morgan Stanley 401(k).

Morgan Stanley has teamed up with Vestwell, a leading modern savings platform, to make it easy for real estate professionals to start and manage a retirement plan — without spreadsheets, file uploads, or complex setup.

  • Fast & digital setup: Set up entirely online in minutes — no paperwork mountain to climb first.

  • Dedicated support team: A real team is there if you need help — not just a FAQ page.

  • Multilingual accessibility: Available in multiple languages, so language is never the barrier to saving.

  • Flexible contribution limits: Put more in during a big month, less in a slow one — no fixed paycheck deduction required.

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Got questions?

Your questions answered

Am I even eligible?

You qualify if you're the only person in your business (aside from a spouse), 21 or older, and have been in business at least a year.

How much should I contribute?

The plan design keeps this simple, and your accountant or CPA can help confirm the right amount for your situation each year. Vestwell does not provide legal, financial, tax, or investment advice. We do not make any recommendations about contribution amounts.

My income isn't steady — can I still do this?

Yes. Contributions flex with your income instead of requiring a fixed amount every month, so a slow month doesn't mean a missed deposit.

What happens if I hire an assistant or build a team?

Your plan converts into a full Workplace 401(k) using the same underlying plan — no switching providers, no starting over. Pricing adjusts to reflect the Workplace 401(k) structure, so refer to the current rate sheet for what to expect.

Is this a lot of paperwork?

No — setup is self-service and fully digital, with a dedicated support team available any time you need help.

Will I need an EIN to apply?

Yes. You'll apply using an EIN (Employer Identification Number), which is different from your Social Security Number (SSN). Your SSN will also be required when onboarding. If you do not know your EIN, or need to apply for one, go HERE.