Hmmmm....seems to me you want to stay half in and half out of the water. Over the long haul you want all your retirement in one place. It will be considerably easier to plan, balance your investments, and some day make withdrawals. Personally I would consolidate it under a low cost on-line broker like Ameritrade. In that process Fidelity will force you to get out of their choices (so called proprietary products). From my perspective that should not matter, you will do better under a broker that provides Vanguard, and other choices at a lower cost. Fidelity has some excellent choices but nothing that you cannot get someplace else.Peter
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