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⚠️ Does a Morgan Stanley RPM Account Fix My Plan Docs?
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Morgan Stanley told me my account converts automatically at the end of the year, so it sounds like the transition handles itself. Do I actually need to do anything?
A Morgan Stanley RPM account is an account type, not a plan document. The automatic conversion answers the custody question and nothing else, which is why My Solo 401k Financial treats the do-nothing path as the riskiest of the three.
On January 1, 2027, a holder who took no action has an RPM account with no valid adoption agreement behind it and no IRS opinion letter to rely on. Under RPM status, Morgan Stanley stops issuing Form 1099-R, stops preparing Form 5500-EZ, and stops providing plan-level compliance oversight.
That bites hardest above $250,000, where Form 5500-EZ is required and the filing references an opinion letter the plan no longer has. Consequences discussed on the webinar include disqualification risk, loss of the contribution deduction, and IRS penalties.
👉 Full breakdown: what happens to a Morgan Stanley Solo 401k after December 31, 2026
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