Originally Posted by fatlard

Morgan Stanley called and I had good call with them. They definitely wanted to encourage me to move towards a full service brokerage where they can “help secure” my financial future… here is what I gather…. Assuming you want to MS amex, cash plus and engagement bonus
Option 1: do nothing and let Access investing close and I move the funds where I want. I would get to keep Amex and cashplus account but the $55 fee would not be waived. You still get the yearly engagement bonus.
Option 2: Open AAA and move funds to the AAA account. The fee would be $150 annually. You get to keep MS Amex card and cashplus and if you meet $25,000 average daily balance you can get the $55 fee waiver. You still get the yearly engagement bonus
Option 2-a You can optionally change the AAA account to a pathways account which has an min of $1000 and a 0.85% fee and you can waive the $150 fee.
I imagine most will pick option 2-a as the fee would be $8.50 a year