RISK
The new marketing and communications review tool for Wealth Management, formerly known as CRC (Communications Review Group)
What is Red Oak?
This current offer is available for new balances of at least $50K+ requested now until November 15th 2025. The 1-year offer is for a 5.25% rate and the 3-year offer is for a 4.99% rate.
What is the LAL Fixed Rate Promotion?
This is a service which allows Morgan Stanley clients to electronically approve domestic and international, one-time/recurring transactions through their MSO or MS Mobile App. It eliminates the need for an LOA and no additional confirming conversation is required regardless of dollar amount.
What is eAuthorization?
Morgan Stanley boasts an industry-leading approach to data and cybersecurity. The firm publicly states a guarantee that in the unlikely event of a cyber breach at MS, the firm will reimburse clients for losses as a result of the unauthorized access to firm systems. The firm spends $500M per year in cyber, security, and fraud prevention - employing a team of more than 1,000 securities specialists including dozens of former NSA professional hackers. Name the head of these cybersecurity efforts, who previously spent 15+ years at the NSA in an executive capacity.
Who is Rachel Wilson?
Everyone was friends with Tom on this groundbreaking social media platform, the most widely used from 2005 until 2009.
What is MySpace?
(Not our Tom of course, but it sounds nice doesn't it?)
Any instance, where a Firm employee is acting as an employee, independent contractor, sole proprietor, officer, director, or partner, or is receiving compensation, or has the reasonable expectation of compensation from a third party.
What is an OBI (Outside Business Activity)?
This complimentary service aims to reduce or eliminate cap gains for managed accounts within your desired investment portfolio and can save your client ~3%+ on taxes. All taxable Unified Managed Accounts (UMA) are eligible, across all discretion levels, and there is no minimum market value requirement.
What is tax management services?
Support professionals are paid this value as a bonus for setting up a new Recurring Deposit Relationship.
What is $250 per relationship?
This tool is an internal virtual assistant, leveraging the capabilities of a Generative AI large language model to expand access to internally published content, how-to guides, locating resources and thought leadership.
What is AI@MS Assistant (in 3D)?
A law was adopted in 1984 making it illegal to kill a sasquatch. Skamania County considers itself to be a Bigfoot refuge and the state will impose a fine of $1,000, a year in jail, or both if you're found guilty.
What is Washington state?
This is the per-person, per gift limit excluding tax and shipping, for non-covered people. This limit applies to anything of value and includes, but is not limited to, cash or cash equivalents, securities, and alcoholic beverages. This gift limit also includes entertainment, such as tickets to sporting events, shows, and concerts, if the provider of the entertainment is not present throughout the event.
What is $100?
This internal tool records, transcribes, and summarizes Zoom meetings with your Wealth Management clients. Summaries include discussion points from the meeting, and action items, helping both you and your team to support your clients’ goals more efficiently
What is Debrief?
These two systems work in tandem where you must book all business travel and then send for approval.
What is Mybooking/ and MyTripApproval/ (Legacy CSTO + EREQ systems)
Morgan Stanley has an internal designation, and partnership program for FAs who maintain an eligible specialty or designation. These FAs are a qualified and vetted source for partnering opportunities nationally, and are showcased on the Teaming & Partnering homepage on 3DR. Some of the eligible designations include: Alternatives Director, Chartered Special Needs Consultant®, Corporate Cash Director, Corporate Retirement Director, Insurance Planning Director, Family Wealth Director, International Client Advisor, Investing with Impact Director, Sports & Entertainment Director, Stock Plan Director, Lending Specialist, etc.
What is the name of this program?
What is the National Strategic Partner (NSP) Program?
This popular leisure and adrenaline activity structure was invented in the 1880s to distract Americans from sin. Hosiery businessman LaMarcus Thompson hated saloons and brothels so he set out to straighten up one of the most immoral places he could think of: Coney Island, New York – to provide some good, clean fun. Name this beloved amusement item.
What is the rollar coaster?
This FINRA rule requires Morgan Stanley personnel to follow specific account procedures for clients who are employees, or persons associated with employees, of another broker-dealer firm. The rule applies to all employees of another broker-dealer. Name this rule.
What is FINRA Rule 3210?
What is a 60% credit rate on gross revenue?
Per the new 2025 Compensation Policy, effective Oct 1, 2025 all of these associated to Rule 144 Affiliate clients will be waived.
What are annual AAA account fees?
Morgan Stanley recently updated their program designed to reward Financial Advisors for building a successful career and working towards a smooth succession plan to retirement. Advisors who are retiring from the industry are permitted to share in incentive compensation with successor Advisors. Under this program the retiring advisor will receive payout for five years on: all book assets in client accounts at the time of the FA retirement date, assets subsequently added to client accounts in place at the time of the FA retirement, AND assets in new accounts for a client who existed within the book at the time of the FA retirement date. Name this program.
What is the Advisor Legacy Program (ALP)? Previously known as the Former Advisor Program (FAP)?
This famous artist wrote a short poem about how much he hated painting one of the most famous works of art in the world. The poem reads (in part):
“I’ve already grown a goiter from this torture, hunched up here like a cat in Lombardy.
My stomach’s squashed under my chin, my beard’s pointing at heaven, my brain’s crushed in a casket…My haunches are grinding into my guts…
My skin hangs loose below me, my spine’s all knotted from folding over itself…
I am not in the right place – I am not a painter.”
Name this famous artist, bonus if you can also name the artwork.
Who is Michelangelo painting the Sistine Chapel?
When a client communicates any of these words (below) to a Wealth Management employee, it would trigger this escalation process: Frustrated, annoyed, angry, upset, poor performance, unsuitable, unacceptable, disappointed, usually any curse words.
What is file a complaint with your risk officer?
This resource exists under the Family Office Resources homepage and is intended to assist FAs to position themselves and Morgan Stanley relative to the firm’s most common competition (Goldman, J.P. Morgan, RBC, Schwab, etc). This page also includes pricing transparency across common firm competition.
What is FOR Competitive Corner?
A client calls you and asks to purchase 100 shares of NVDA at the market. You place the trade but enter it as a sale instead of a purchase. As you move on to your next call you realize the trade error made. This is the immediate next step before any other action is taken.
What is notify a BSO (Business Service Officer)?
Name any THREE of the SEVEN Key Competitive Advantages Morgan Stanley holds in breadth, depth, sophistication, or differentiation above and beyond our competitors.
What are
1. Tax Efficiency
2. Alternative Investments
3. Cash Management & Lending
4. Financial Planning
5. MS@W
6. UHNW Client Solutions
7. Virtual Engagement Associates
This city houses the largest concentrated population of MS employees, globally. (HINT: It is not in the "NY tri-state" area)
What is Mumbai? (~12K employees) vs. NY tri-state (~10K)