FAQs
What is Reserved Living & Giving?
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients designed to enhance their lifestyle and go beyond traditional wealth management services. The program provides access to offers and discounts from popular brands, as well as timely articles from Morgan Stanley thought leaders on topics including lifestyle, personal finance and philanthropic inspiration.
Who qualifies for Reserved Living & Giving?
To qualify for the Reserved program, a client's household must have and maintain $1,000,000 in Eligible Assets and Liabilities1 in a Nonretirement Account(s)2 at Morgan Stanley. Assets held in a Retirement Account(s)3 are not considered Eligible Assets and do not count towards your qualification for the program.
For a complete list of eligibility requirements, see Terms and Conditions and Important Disclosures.
What are the benefits of Reserved Living & Giving?
Once enrolled, Reserved Living & Giving clients can access offers from travel, automotive, food & wine, health & wellness brands as well as a curated selection of retail, services, experiences and virtual events.
The Insights section of the website contains timely content on topics including personal finance, health & wellness, travel and philanthropic ideas to help clients and their families elevate their lifestyles.
The offers and guidance featured on the Reserved Living & Giving website are regularly updated to support the needs and preferences of our clients.
How can Reserved Living & Giving benefits be extended to family members?
Reserved Living & Giving benefits are extended to your eligible family members as long as the accounts are all properly householded together. Householding policies are periodically reviewed to ensure that they are consistent with policies and procedures and regulatory rules. Contact your Morgan Stanley Financial Advisor to learn more.
What is a Household?
The Firm has defined a Household as a formal grouping of eligible accounts. The eligible relationships, relative to the Head of Household, that can be grouped in a Household are as follows:
Eligible Household Relationships
- Self
- Spouse
- Son (excludes step-son)
- Son-in-Law
- Daughter (excludes step-daughter)
- Daughter-in-Law
- Parent (excludes step-parent)
- Grandchild
- Grandparent
- Sibling*
- Sibling-in-Law*
- Domestic Partner (requires same address as Head of Household)
*Eligible if there are no retirement accounts in the household, or any retirement account in the household is owned by the Head of Household.
Households are evaluated weekly to verify they meet the minimum in Eligible Assets and Liabilities, or managed fees/commissions paid. Contact your Morgan Stanley Financial Advisor to learn more.
How do I enroll on the Reserved Living & Giving website if I am an eligible client?
Enrolling is easy. Click Enroll in the upper right corner of www.msreserved.com and use the email associated with your Morgan Stanley account to sign up. If you have questions or need help, call the Client Service Center at 1-877-799-6772 or contact your Financial Advisor.
Prefer to log in through Morgan Stanley Online or the Morgan Stanley app? You can do that without having to log in again. Just follow these instructions:
- Log in to Morgan Stanley Online or the Morgan Stanley app.
- Click on the Reserved Living & Giving banner on the homepage.
- Use the email associated with your Morgan Stanley account to sign up.
- Create a password.
Will the Reserved Living & Giving partner offers change?
Participating Reserved Living & Giving partner offers are subject to change and new Reserved partner offers will be regularly added to the program. Visit the Reserved Living & Giving website often for updated offers and experiences made available for clients.
How long do I have to redeem these offers?
Each offer has an expiration date. Please refer to each specific Reserved Living & Giving offer page to view applicable expiration dates and other details on terms and conditions.
How do I access the automotive offers?
Follow the instructions below to access our automotive deals:
- Log in to www.msreserved.com.
- Select the offer for the automotive manufacturer you are most interested in.
- Click “Redeem Now” to be directed to an incentive certificate request page (applicable on most automotive offers).
- After completing the required information and submitting the form, you can expect to receive an incentive certificate sent to the email you provided within 2 business days.
- Present the certificate to your dealership representative at the time of purchasing or leasing your new vehicle.*
*In the event your new vehicle is delayed due to inventory shortages affecting automotive dealerships, you may submit an additional certificate request closer towards your expected in-hands date.
Can someone else use my certificate for an automotive purchase?
All members within the household can redeem a Morgan Stanley Reserved automotive offer as long as the information on the certificate matches the information of the person purchasing the vehicle.
How do I find out about current pricing on automotive discounts?
Most of the automotive offers have current pricing outlined on the specific offer pages at www.msreserved.com. NOTE: offers can vary by month, so please make sure you are looking at the current pricing list. If there is a question, email msreserved-offers@senseimarketing.com.
Can I use these discounts on top of other offers?
In some cases, eligible discounts can be stacked. When booking through Hotel Engine, for example, clients earn HE points in addition to points through their favorite loyalty programs, i.e., Marriott, Hyatt, etc. Similarly, our automotive deals are often applied on top of the negotiated pricing. Be sure to read the Reserved Living & Giving Terms & Conditions section and consult with each partner’s fine print prior to completing your purchase.
Are there any additional fees associated with these benefits?
There is no cost to enroll. Upon enrollment, you can redeem any of the special offers at your own discretion.
Is any of my information shared with participating Reserved Living & Giving partners?
Morgan Stanley does not share any client information with Reserved Living & Giving partners. However, should you decide to redeem a partner offer, it may be necessary to share certain personal information so that the participating brands can grant you special codes, pricing or discounts that are part of the program.
Is there a rewards/Reserved Living & Giving card that I would show to receive discounts/special offers with these Reserved Living & Giving partners?
Yes, there is a digital membership card associated with Reserved Living & Giving that a select number of partners may require upon redemption. In most cases, however, simply review the specific Reserved Living & Giving partner offer page for information on how to redeem discounts and offers.
Does Morgan Stanley participate in any expense sharing with the Reserved Living & Giving partners?
Partners are not required to participate in expense sharing to participate in the Reserved Living & Giving program. Furthermore, Morgan Stanley does not collect commissions on sales generated by partners.
Partners, on occasion, may provide financial compensation in exchange for increased offer/brand exposure on the program website, communications or events. Participation in such opportunities is solely at the discretion of our program partners and is not an expectation.
How do I find a Morgan Stanley Financial Advisor?
Click here to search for a Financial Advisor near you.
Disclosure:
1 Eligible Assets and Liabilities generally include the following: Equities, Bonds, CDs, Alternative Investments (including Managed Futures), Unit Investment Trusts, Exchange-Traded Funds, Mutual Funds, 529 Plans, Insurance, Annuities, outstanding balances on securities based loans (including Margin, Non-Purpose Margin, and Liquidity Access Line), and certain mortgage loans made by an affiliate of Morgan Stanley. Not all assets or liabilities are considered Eligible Assets and Liabilities for purposes of either the Reserved program or the Signature Access program.
2 Nonretirement Account means a brokerage, advisory or bank account other than a Retirement Account
3 Retirement Account means a brokerage, advisory or bank account that is an Individual Retirement Account ("IRA"), a Roth IRA, a Coverdell Education Savings Account, an account maintained for an employee benefit plan covered by the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or an account maintained for a qualified retirement plan described in section 4975(e)(1)(A) of the Internal Revenue Code of 1986 (the "Code")
What is Signature Access?
Signature Access is the highest level of membership in the Reserved Living & Giving program. In addition to all Reserved benefits, Signature Access clients are connected to a carefully selected network of professionals who can craft custom solutions such as Aircraft Advisory, Private Health Advisory, Cybersecurity and bespoke travel services.
Who qualifies for Signature Access services?
To qualify for Signature Access, a client's household must have and maintain $10,000,000 in Eligible Assets and Liabilities1 in a Nonretirement Account(s)2 at Morgan Stanley. Assets held in a Retirement Account(s)3 are not considered Eligible Assets and do not count towards your qualification for the Signature Access program.
What does Signature Access offer clients?
-
Lifestyle Advisory Services–Access knowledgeable professionals across 25 areas of expertise including personal security, aircraft advisory, private health advisory and more. Our Lifestyle Advisory providers can also help you procure tickets for last minute or sold-out events.*
-
Special Discounts–In addition to the 100+ popular offers available through Reserved Living & Giving, Signature Access clients enjoy enhanced offerings from luxury brands in automotive, travel and entertainment.
-
Curated Insights–Explore articles from industry thought leaders on topics ranging from estate planning to private aviation and art investing.
* Tickets do come at a premium and aren’t discounted or at face value.
How is Signature Access different from Reserved Living & Giving?
Reserved Living and Giving provides access to curated lifestyle content, experiences and discounts from over 100 popular brands in automotive, entertainment, travel, health & wellness, retail and more.
Signature Access provides enhanced offers, exclusive content and concierge services in addition to the benefits available to you through Reserved Living & Giving. Signature Access also offers a wide range of Lifestyle Advisory services made available through our Family Office Resources group.
Are Signature Access services offered through a third party?
Yes. We have identified top rated providers in order to deliver the world-class services to our Signature Access clients.
Signature Access carefully selects each new provider and does not share any personal information from our clients with partners without explicit consent.
How do I access Signature Access services?
An email can be sent to the Lifestyle Advisory Concierge at signature_access@morganstanley.com to learn more about the Signature Access services.
Does Signature Access offer restaurant reservations?
Signature Access is unfortunately unable to provide dinner reservations at this time. However, we are able to secure tickets to last minute or sold-out events including sporting matches, theater productions, concerts and fashion shows.
What type of tangible asset management services are offered through Signature Access?
We offer a wide range of customizable solutions, including but not limited to Aircraft Advisory, Art Advisory, Home Advisory (including recruitment of household staff), Real Estate Services, Property and Casualty Services and Yacht Advisory.
Are all the Signature Access services complimentary?
No. While Signature Access membership is free, our top rated providers may offer preferred pricing but services are not free.
Do Financial Advisors benefit from any of the Concierge Advisory Services offered through third partners?
None of the Concierge Advisory partners share any revenue with Financial Advisors or the Firm.
Based upon certain Reserved Living & Giving partner agreements, Morgan Stanley may be reimbursed for a portion of the overhead expenses associated with the partner's products and services in the program.
How do I access the Signature Access landing page?
From Morgan Stanley Online:
If you are on the Morgan Stanley Online
website, click on the Reserved Living & Giving
link
in the top navigation bar.
From Reserved Living & Giving website:
Click Log In in the upper right corner of www.msreserved.com and use
the email
associated
with your Morgan Stanley account to sign up. If you have questions or need help, call
the
Client Service Center at 1-877-799-6772 or contact your Financial Advisor.
From email:
If you have received an email invitation from Signature Access, click the Get Started or
Join
Now button to be directed to the home page and log in using your Reserved Living &
Giving
credentials.
Do I have to enroll in Signature Access in order to access the services?
You can access some of the benefits through your Financial Advisor, but enrollment is required to view your personal Signature Access dashboard featuring all the available offers and content. There are two ways to enroll:
-
Log in through your Morgan Stanley Online account (click the Reserved Living & Giving banner to get to the Reserved site) OR
-
Visit the Reserved site (msreserved.com), click "enroll," enter the email we have on file for you and create a password.
Where do I go if I have more questions about Signature Access?
Disclosure:
1 Eligible Assets and Liabilities generally include the following: Equities, Bonds, CDs, Alternative Investments (including Managed Futures), Unit Investment Trusts, Exchange-Traded Funds, Mutual Funds, 529 Plans, Insurance, Annuities, outstanding balances on securities based loans (including Margin, Non-Purpose Margin, and Liquidity Access Line), and certain mortgage loans made by an affiliate of Morgan Stanley. Not all assets or liabilities are considered Eligible Assets and Liabilities for purposes of either the Reserved program or the Signature Access program.
2 Nonretirement Account means a brokerage, advisory or bank account other than a Retirement Account
3 Retirement Account means a brokerage, advisory or bank account that is an Individual Retirement Account ("IRA"), a Roth IRA, a Coverdell Education Savings Account, an account maintained for an employee benefit plan covered by the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or an account maintained for a qualified retirement plan described in section 4975(e)(1)(A) of the Internal Revenue Code of 1986 (the "Code")
What is NEXT?
Our NEXT program is our community of young investors and inheritors. NEXT members enjoy Reserved Living & Giving or Signature Access benefits, depending on their eligibility.
Who qualifies for NEXT?
The NEXT program is designed for those who have attended or been invited to a Morgan Stanley NEXTGen event. Please ask your Financial Advisor about your eligibility.
What is Reserved Living & Giving?
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients designed to enhance their lifestyle and go beyond traditional wealth management services. The program provides access to offers and discounts from popular brands, as well as timely articles from Morgan Stanley thought leaders on topics including lifestyle, personal finance and philanthropic inspiration.
What are the benefits of Reserved Living & Giving?
Once enrolled, Reserved Living & Giving clients can access offers from travel, automotive, food & wine, health & wellness brands as well as a curated selection of retail, services, experiences and virtual events.
The Insights section of the website contains timely content on topics including personal finance, health & wellness, travel and philanthropic ideas to help clients and their families elevate their lifestyles.
The offers and guidance featured on the Reserved Living & Giving website are regularly updated to support the needs and preferences of our clients.
How can Reserved Living & Giving benefits be extended to family members?
Reserved Living & Giving benefits are extended to your eligible family members as long as the accounts are all properly included as part of the same household that meets the eligibility criteria. Householding policies are periodically reviewed to ensure that they are consistent with policies and procedures and regulatory rules.
What is a Household?
The Firm has defined a Household as a formal grouping of eligible accounts. The eligible relationships, relative to the Head of Household, that can be grouped in a Household are as follows:
Eligible Household Relationships
- Self
- Spouse
- Son (excludes step-son)
- Son-in-Law
- Daughter (excludes step-daughter)
- Daughter-in-Law
- Parent (excludes step-parent)
- Grandchild
- Grandparent
- Sibling*
- Sibling-in-Law*
- Domestic Partner (requires same address as Head of Household)
*Eligible if there are no retirement accounts in the household, or any retirement account in the household is owned by the Head of Household.
Households are evaluated weekly to verify they meet the minimum in Eligible Assets and Liabilities, or managed fees/commissions paid. Contact your Morgan Stanley Financial Advisor to learn more.
As an E*TRADE client, how do I qualify for Reserved Living & Giving?
To qualify for Reserved Living & Giving at no cost, a client must first be a Platinum or Private Client and maintain $1,000,000 in Eligible Assets and Liabilities in a Nonretirement Account(s) at (a) Morgan Stanley or (b) E*TRADE Securities LLC, E*TRADE Capital Management, LLC, E*TRADE Futures LLC, and/or Morgan Stanley Private Bank, National Association (collectively "E*TRADE"). Assets held in a Retirement Account(s) are not considered Eligible Assets and do not count towards your qualification for the Reserved program. Non-U.S. residents with only E*TRADE accounts are currently not eligible.
For a complete list of eligibility requirements, see Terms and Conditions and Important Disclosures.
I don’t have any accounts with Morgan Stanley, can I still take advantage of the Reserved Living & Giving offers?
Yes, if you meet the above E*TRADE eligibility requirements.
How do I enroll in Reserved Living & Giving?
All eligible E*TRADE Platinum and Private Clients will be auto-enrolled in the program. You will receive a notification email 30 days prior to your enrollment. At that point, you can also choose to enroll immediately or opt out of the program. If no action is taken, we will automatically send a welcome email to the email address on file after 30 days. This email will include instructions on how to set your password and get started. E*TRADE clients will also be able to access the site through us.etrade.com in the near future.
How do I opt out of Reserved Living & Giving?
Clients are given the opportunity to opt out by clicking a link in the notification email that will be sent to your email address on file 30 days prior to enrollment. You can also opt out at any time by updating their User Profile.
Where can I access Reserved Living & Giving?
-
Go to msreserved.com or click here.
-
Access via a link on us.etrade.com.
-
If you have trouble accessing the website, contact the Client Service Center at 1-877- 799-6772.
Is there a membership fee for Reserved Living & Giving?
There is no cost to join and no membership fees.
Disclosure:
1 Eligible Assets and Liabilities generally include the following: Equities, Bonds, CDs, Alternative Investments (including Managed Futures), Unit Investment Trusts, Exchange-Traded Funds, Mutual Funds, 529 Plans, Insurance, Annuities, outstanding balances on securities based loans (including Margin, Non-Purpose Margin, and Liquidity Access Line), and certain mortgage loans made by an affiliate of Morgan Stanley. Not all assets or liabilities are considered Eligible Assets and Liabilities for purposes of either the Reserved program or the Signature Access program.
2 Nonretirement Account means a brokerage, advisory or bank account other than a Retirement Account
3 Retirement Account means a brokerage, advisory or bank account that is an Individual Retirement Account ("IRA"), a Roth IRA, a Coverdell Education Savings Account, an account maintained for an employee benefit plan covered by the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or an account maintained for a qualified retirement plan described in section 4975(e)(1)(A) of the Internal Revenue Code of 1986 (the "Code")