Fidelity drives me nuts. I've transferred all of one account and 60% of another to two other brokerages. Fidelity is the brokerage with speed bumps. I can't tell you how many times Fidelity has slowed me down through extra steps or regulations (or arguing with me over investment grade bonds!!! when I called to check on a technical detail). We've lost money a number of times when I had a good idea and Fidelity held up things so I had to wait a day or over a weekend to trade. Our other brokerages are facilitating angels by comparison. As soon as I research a 3rd brokerage (for diversity--we're paranoid,) au revoir Fidelity.