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Your life today is all about choices. It makes sense that you want a range of options when it comes to planning for the future. Building a retirement strategy is about living the way you want to live. That's why including a long-term care discussion for retirement helps you prepare with a greater sense of security.

Long-term care costs have soared in recent years, and continue to rise. The median annual cost for a private room in a nursing home is projected to increase from $87,600 to $129,669 in 10 years.* The cost of long-term care services provided in the home, at a community facility or in a nursing home generally is not covered by Medicare or other medical plans, and may significantly impact you and your family's financial resources.

With some thoughtful preparation, you can help protect your savings against the potential risk of long-term care expenses, enabling you to enjoy the retirement you have dreamed – and perhaps also leave your loved ones the legacy you have envisioned.

Speak with your Morgan Stanley Financial Advisor to learn how to help protect yourself and your family with a strategy for long-term care. If you do not have a Morgan Stanley Financial Advisor, visit to find a Financial Advisor near you.
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Morgan Stanley's Planning
for Long-Term Care
features an overview of long-term
care, addresses some common
misconceptions, and describes
the potential benefits of
long-term care insurance.

Comprehensive review of your
possible Future Health Care Options.

*Genworth 2014 Cost of Care Survey.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

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