u/Correct-Pace-9857

Hello- I need some help here and please explain it to me like I’m a kindergartner as I’m clueless. I have a IRA that I make contributions to after taxes (new employer does not offer benefits). This was an old Morgan Stanley acct from a previous employer that I have been contributing to. I have never had to make my own trades etc- all I do is put money in the account and trades are made for me. I recently received a letter notifying me my acct is changing from a “investment advisory acct to a brokerage acct”. I have no idea what this means. Will trades still be made for me? I noticed that my deposits from last month have not been used (they are usually used to buy assets quickly after deposit). I also noticed a $50 low balance fee I have never encountered before. Any advice would be extremely helpful. Thanks in advance.