HORRIBLE experience. I would say in general the company is alright to invest with despite their ridiculous hidden charges in managing your money, however, working with one financial advisor at Morgan Stanley Scotts Valley was one of the worst decisions I have made. Tristian, the young financial advisor seems to come across lovely when you first meet him, but it turns out he is actually not that great of a person. I invested with him for some time, and moved my money away from his services over a year ago now. I have significantly improved my investments since I moved from him, in addition, I now actually have a working relationship with my new financial advisor that Tristian will never provided. Just my disclaimer, stay away from using his service. I wish I was given that bit of advice earlier before making a few years of a mistake with him! read more