I had an account with them for four years. During that time my money went up ONLY 3.5%. S&P went up 49%, QQQ went up 102%. I had asked for 50% aggressive growth; 35% moderate; 15% conservative. MS put me in Morningstar funds rated less than 2.5. Complained and got NOWHERE. Asked to move my money into better performing funds; was refused. Then was told had absolutely NO RIGHTS OR SAY in how MY money was to be invested. Fiduciary account? Ha! Incompetent financial advisors of the worst kind. When I went to move my money to a different investment firm Morgan Stanley stalled and stalled and refused to communicate TO ME that they would not release MY MONEY. I had to force the issue. STAY away. STAY FAR AWAY.