After >10 years with Morgan Stanley and paying a "management fee" with minimal growth in my IRA account, I decided to just roll my money into my employer's 401K account. This would allow me to better manage my retirement money and the investment options are better with my employer's 401K account. After 1 month of back and forth, Morgan Stanley still has my money. My employer's 401K requires a rollover form to be completed. Morgan Stanley requires a roll-over form to be completed also. Both forms were completed. I talked to a MS representative and they assured me that the two forms will be sufficient to get my money out of the IRA into my 401K. Then, Morgan Stanley said that I need a "Letter of Acceptance". I asked what information needed to be in a "Letter of Acceptance". They said that it's a standard letter required by IRS (which is not true because my husband just roll over his IRA to his employer's 401K and no letter of acceptance was needed). So, I called my employer's 401K company, They said that they have never heard of such requirement. But they generated a letter of acceptance for me to send to MS. I sent that to MS. Then they came back said that it's insufficient because it's missing information. They listed the information needed in a letter to me. All of the requested information is in the roll-over form. So, I called MS back and asked that they use the roll-over form in conjunction with the acceptance letter. They said that the form information cannot be used and it has to be explicitly stated in a acceptance letter. I feel like that they just don't want to release my money and they keep changing the target to prolong this process!!!! In summary, don't ever use Morgan Stanley IRA if you ever want to get your money out. If you do have Morgan Stanley, don't be surprised to have ever changing requirements when you want to get your money out.