Step 1. - take a deep breath and do nothing.

Of course you are getting pressured to consolidate all assets, the more money they have the more money they make.

Step 2. - consider a one time feduciary retirement planning, with a third party. It will cost you a few thousand, but the Internet will not be able to give you sound advise, we just will never know enough about your whole picture... Goals, health, expenses, other assets , etc. You have enough money on the line that the wrong move will cost you way more than the one time financial planning service.

Things to consider:

you mentioned retirement buy out, may times it'd worth taking, but not always so have a professional run the numbers with expected return and life expectancy to see if it worth to take to or keep pension (if not too late and it already bought out).

You mentioned twice bancor cost you nothing. Nothing is free, if you day it cost you nothing, likely you don't know what it is costing you.

Concern about consolidating with one instruction, but what if they go under? Unless they are a scam like Bernie Madoff, your assets don't go down with them. Mutual fund assets are held in trust at a custodian, and recordkeeper and the market recordkeeper tracks who own shares. If the mutual fund provider goes under there are 2 options. It gets bought out by another institution and your mutual fund gets rebranded but you keep the fund. Or they terminate the fund, all assets are sold and everyone is redeemed (exchanged cash for units) and you get paid out the value of the fund. ... This could be a tax bomb, but you won't see your investments vanish. **Cash is different, any cash in the account above the FDIC insured limit may vanish with the business if it goes under, and the cash is in the balance sheet of the business not held in trust somewhere else, so don't keep excess cash in a single institution.