<human>: About 2 years ago, I was approached by one of MS's Account Managing 'VP's' who has handled my grandmothers money for the past 20 years.  I am fairly young, but have a pretty good career trajectory, and he was interested in securing me as a client.  I told him I'd give him a shot, but I was just going to start off by opening a Roth IRA with him.  Unfortunately, I was only able to contribute $5,500 once before my salary was too high to contribute any more.  

Long story short, I used my Roth funds to exclusively purchase AAPL shares when the price dropped down to 395.  It has since rebounded and has just been sitting around.  I had been waiting for him to call me to advise me regarding moving my money around but I never received any calls.  Then I bought my grandmother an iPad.  She wanted to have access to her Morgan Stanley accounts via her iPad, so i tried to find their corporate app.  Guess what, they don't have one.  I called them up to inquire.  'Sorry, we don't have an appliccation, we expect one to be completed by late 2014.'  This is in January of 2014.  A company the size of Morgan Stanley, not only doesn't have an app, but their development cycle takes in excess of a year... seriously, what year is it!?    So now i'm thinking, seriously, what the hell is up with this company.  I should probably check on my Roth just to make sure everything is copacetic.

Well I do and guess what I find.  To purchase my 12 shares of Apple, they charged me a commission of $100.  Then, they were charging me an annual account upkeep fee of $50 (which I knew I had agreed to when I signed up), and then in addition to that, and here is the real kicker, they were charging me a low account balance of 75$ every 6 months.  My Roth IRA, which has a $5500 contribution limit when you are under 120k gross salary, which I no longer was beneath.  I really believe these guys have cost me thousands in tax free gains down the line because of their ridiculous fee's.

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<bot>: Basically this is just a warning to learn from my mistake, just because you give a third party the right to handle your money, don't take it for granted that it will be handled with your best interests in mind.