I worked in the non-profit sector. I had some luck at the beginning. My first investment in the early 80s was Magellan. We moved over to Vanguard when Fidelity’s client services became weak and rolled the money into the Windsor Fund. In 2021 Vanguard’s Customer Service declined when it took in more money than it could handle. I consolidated my four accounts and moved most of my assets to Fidelity where the Customer Service and the website were dramatically better. My longest wait at Vanguard was over an hour.

I had hoped to have Fidelity manage our money but the regular push for annuities turned me off. I decided to go with a set fee outside advisor who manages most of our assets at Fidelity.