Morgan stanley benefits

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Morgan Stanley: Essentials and Extras That Make a Difference


We offer a range of high-quality health care options, including medical, vision, dental and prescription drug coverage, along with Flexible Spending and Health Savings Accounts. We also care deeply about your physical, mental and emotional wellbeing and provide additional high-value programs, many at no cost, to you and your family: 

• Medical second opinions for you and your extended family, including your adult children, parents, grandparents and in‑laws

• Benefits advocates who can help you find quality doctors, schedule appointments, handle billing and claims issues and coordinate complex medical situations for you and your extended family

• 16 free, confidential sessions per year with a therapist or mental health coach for you and your dependents

• Free access to Headspace, the leading mindfulness and meditation app

• Benefits coverage and personalized support for serious and/or chronic medical conditions, such as cancer and diabetes

• Onsite health centers, counselors, physical therapists and fitness centers (select locations)

• Discounted memberships at thousands of gyms nationwide and fitness classes at SoulCycle, CorePower Yoga and lots more


Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.

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As a Reserved member, you will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.

Signature Access

In addition to all Reserved benefits, clients who qualify for our highest tier*, Signature Access, are connected to a vetted network of professionals who can craft custom solutions for your family's exceptional needs such as Art Advisory, Private Health Advisory, Cybersecurity, and bespoke travel services.


Our NEXT program is specially curated to help our community of young clients discover new insights, connect with peers, and take action towards their impact goals. NEXT members will also enjoy Reserved or Signature Access benefits, depending on their eligibility.

View FAQs to learn more about each tier

Enroll Now

Morgan Stanley Reserved Living & Giving Membership At A Glance

Not yet a Morgan Stanley client?

We invite you to continue exploring this website. If you're interested in speaking with a Morgan Stanley Financial Advisor in your area, click here to find a list of offices and representatives.

Limited Time Offers for Stock Plan Participants

On occasion, Morgan Reserved Living & Giving makes some of its offers available to clients and prospects, including Stock Plan Participants, who otherwise do not qualify for Reserved. Offers expire after 6 months and may be changed or updated at the discretion of Reserved Living & Giving.

Click Here for More FAQs

How to Enroll

Enrolling and participating in this complimentary program is easy. To access your benefits, simply follow the steps below:

  • Click Enroll Now below and follow the enrollment instructions.

  • In addition, Morgan Stanley Online users can log in by clicking on the Reserved Living & Giving link on the home page.

  • If you have trouble logging in, contact the Client Service Center at to request your enrollment information or ask your Morgan Stanley Financial Advisor to have it sent to you.

Enroll Now

Join over , members who have saved more than $38 million.**

No points. No credit cards. No cost.

* To qualify for Reserved on a complimentary basis, a client's household must have and maintain $1 million in Eligible Assets and Liabilities or have paid at least $10, in annual managed fees/commissions (Compensable Revenue). Annual managed fees/commissions paid is generally defined as revenue generated in fee-based accounts and commissions generated in non-fee-based accounts, and is calculated on a rolling month basis. Not all revenue is included. Morgan Stanley reserves the right to exclude certain items of revenue at its sole discretion. To qualify for Signature Access Lifestyle Advisory on a complimentary basis, a client's household must have and maintain $10 million in Eligible Assets at Morgan Stanley.

Participating Partner Offers Subject to Change.

**Sensei Marketing, March

© Morgan Stanley Smith Barney LLC. Member SIPC. All rights reserved.

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