Counting cells for multiple wildcard text

Hi,
I have a list of mutual fund names in column A. I have a sumproduct formula that sums up the market value all the Morgan Stanley funds for particular clients. But I want to make sure that if Morgan Stanley incorporates the word "Fidelity" (or some other fund name) into the title of their fund, that I don't double count the values. So I'm trying to get a formula that will test for any instance of "Morgan Stanley" and "Fidelity" that is contained within the same cell; but for the entire list of mutal funds.
Any help would be appreciated.
Thanks,
Phillycheese

Palmetto,
If there were a fund called "Morgan Stanley New Fidelity Fund", I agree that subtracting it out from the Fidelity total is a good way to account for this.
So if column A has all my funds, B has the customer, and C has the total dollars, I'm okay with the formula:
=SUMPRODUCT(--(ISNUMBER(FIND("FIDELITY",INDIRECT("'"&J$9&"'!$A$2:$A$50000")))),--(INDIRECT("'"&J$9&"'!$B$2:$B$50000")="Mike"),--(INDIRECT("'"&J$9&"'!$C$2:$C$50000")))
Note: the INDIRECT is there to make my life easier by pulling in data to a summary page from the particular sheet name that will change every month.

My problem is that I'm not sure how to write the formula to identify the case where a fund name contains the words "morgan stanley" and "fidelity". Sorry if I didn't explain it so well in my post.

Thanks,
Phillycheese