I don't like inactivity fees. I can understand the need for the company to make money. The fees have to cover the expenses. The fees may be grandfathered in for those who pay per folio. I currently have 3-folios and pay a $240 for the 3-folios with 500-trades/month per folio. Nobody beats that offering and cost structure. Now if sharebuilder and/or buyandhold.com were better than I would consider them as an alternative. The trouble is neither one offers the services that foliofn.com does. If I were making a couple of trades per quarter than I would go to Scottrade.