Joel T Fink-Morgan Stanley

Be very careful or you will get taken advantage of. If you are a big investor with lots of money, they may take better care of you, but if you are just a normal person with a modest savings and retirement portfolio, they won't work very hard for you. Don't expect prompt return phone calls or emails unless you constantly follow up, like 5 or 10 times. Make sure to put everything in writing and document everything. Every conversation and every request for a transaction. That way when they ignore you request you have something to stand on. Watch the fees charged very carefully. They charges us for 3 accounts AFTER we closed them down!