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I am consolidating my retirement accounts into an IRA and a Roth IRA, and opening a personal trading account in order to invest in taxable index funds, mutuals and some stocks.

I am planning on going with Fidelity, mostly because I already have a traditional IRA and a 401k with them, so it will be fairly easy to roll my other IRA's over to them, and have them all in one location. I spoke with their customer service on the phone a few times, and they were very helpful and are available 24/7. Their trading fees are a flat fee of 7.95 per trade, which is pretty good.

I have also consultant with some sales people from Bullfinch. I am leaning away from them because they keep hard-selling me whole life insurance, umbrella insurance, and some other products that I am not too interested in. However, like Fidelity, they don't charge a percentage of my portfolio as a fee (I am willing to forego biased active management and advice if I can forego these fees). They are recommending one of their mutual fund products, the RS Fund family, which seems to perform similarly to my Fidelity freedom funds. They claim it has a lower expense ratio, but the Fidelity guys say that their expense ratio's are around .7%, and are some of the lowest around (I am in the process of checking up on this).

Bottom line: what do people use and recommend? Fidelity? Bullfinch? Something totally different, like Vanguard or Schwab? (not totally different, just different companies, I guess).

I guess I just want either warnings or reassurances before I commit to a brokerage like Fidelity.

Thanks.
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PS: Not sure if this is quite the right sub-forum for this, or if anyone will see it, as the last post seems to have been in January. I guess I'll re-post it somewhere else if no one notices it here.
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I am not at all familiar with Bullfinch so I can't provide any specific comparisons. Nor have I ever heard the name mentioned on the message boards at the Fool. OTOH Fidelity is often mentioned and many here use their services. From a quick look at the Bullfinch site it appears that it is a completely different kind of firm from Fido so it would be difficult to compare. What are you really looking for? Are you looking for a discount broker or someone that will provide a lot of handholding and recommendations. If they are pushing insurance products I am inclined to think they are probably high cost and would not be suitable for me.
By way of disclosure, I have an account with Scottrade for individual stocks and with Vanguard for mutual funds.
You might try posting on the Discount Brokers board. There is a lot more traffic there and certainly many familiar with Fido.

Bob
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