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As an experienced trader who values transparency in all broker dealings, I always pay close attention to fee structures—especially inactivity fees—before engaging with any financial institution. When it comes to Morgan Stanley, based on the available information, I wasn't able to identify any direct, explicit references to inactivity fees or the specific terms related to them. This absence of detailed disclosure on such fees makes me particularly cautious. In my experience, major brokers and financial institutions sometimes structure their fees differently based on the products or services you use, and terms can evolve over time. I also recognize that Morgan Stanley is a global investment bank with diverse offerings, from wealth management to sales and trading, regulated under the Canadian Investment Regulatory Organization (CIRO). While regulation generally enhances client protection, it doesn't eliminate the importance of carefully reviewing all account agreements and disclosures. For my own peace of mind, I'd never assume there are no inactivity fees just because they aren't plainly mentioned—I've learned to request confirmation in writing directly from client support and read all terms and conditions carefully before opening or maintaining an account. This conservative approach is, I believe, essential when dealing with any financial provider, including a reputable name like Morgan Stanley.