Customer representatives and financial advisers have not had proper training. When either my husband or I call, we get inconsistent answers on how to do simple transactions, Roth conversions, etc. I never worked in finance but can provide a better answer or solution than these employees. Also Morgan Stanley made a huge mistake and after 4 weeks of phone calls, we are still arguing with them to correct their mistake. It is shocking how they are running their business. They tried to blame us for their mistake. Fortunately we have physical documentation to prove they did it incorrectly. Plus we have a witness at our bank. Anyone who is doing business Morgan Stanley better make sure you document everything since the employees (customer reps, financial advisors and manager) have been trained to blame the customer first. They blamed and interrogated my husband. He has spoke with a dozen employees and spent many hours on the phone dealing with this. I recommend not doing business with Morgan Stanley since it has been a horrific 4 weeks for us.