I handed them half of my 501(c) and they turned it into an IRA because I needed the money for my SON medical expenses to be readily available. They lost value of the money they invested; it never gained any. It lost $5,000 in a few of months. I already closed my account with them and lodged a complaint with KEZOOK firm, who assisted me in getting my money back with interest. They pursued this matter and successfully sued Morgan Stanley on my behalf. I trust everything KEZOOK tells me about this company, even the claim that they have an online clone. With KEZOOK's assistance, I was able to recoup both my profit and money.