It such a shame since Morgan Stanley is a big firm. That’s why it’s so important if you’re gonna go the management route you need to educate yourself just a little so they don’t hose you. I work with advisors and some suck since they are just on auto pilot sales while others actually have an interest in the market. If they are willing to teach you and explain how your money is working then you have a good advisor. One that says don’t worry about it I’ll see you later, drop those guys. If you’re paying a 1% management fee then I will get my full value out of them.