Cheez-It Guy wrote: ↑Fri Jul 30, 2021 3:17 pm
galawdawg wrote: ↑Fri Jul 30, 2021 3:01 pm
As a Schwab customer, I can't speak for Fidelity, but here are the ways I can speak with someone at Schwab:
1. My dedicated senior financial consultant (CFP, CWS, 22 yrs at Schwab) by direct phone line
2. My dedicated senior financial consultant by direct email
3. His senior financial consultant partner by direct phone line
4. His senior financial consultant partner by direct email
5. Schwab customer service by phone 24/7
6. Schwab customer service by live chat, M-F 9am-9pm
7. Schwab customer service by secure message
And now at Vanguard?
1. Vanguard customer service by phone, M-F (except holidays), 8am-10pm eastern time
Perhaps this will translate to lower fund expense ratios for those of us who hold Vanguard funds but hold them at other brokerages. But the cynical side of me suspects that any cost-savings will not be passed along to "client-owners." Time will tell.
Your point still stands, but you're comparing and enumerating your elite level at Schwab based on assets to the most basic access level at Vanguard. Some still have secure messages and even a relationship manager with whom appointments can be scheduled (outside PAS). If you were still at Vanguard, you probably would as well. Maybe that also goes away in the short-term future.
We have a small account at Schwab, until we can access 403b monies and transfer a bunch to them.
We also have access to a financial consultant, but no idea of the 'level'. However, we have asked them not to bother us unless we ask for something. The few times we did, there was immediate response.
We do use the chat, with great success. Amazing, actually.
Don't like "secure messaging" - if we are gping that route, prefer direct email.
ZERO complaints.
Indeed, they were incredibly helpful setting up late MIL's trust account, including accepting HER DPOA, and not requiring their own form, etc.
They'll be our primary if things remain as is.
Our major University moved their 403b from Vanguare to TIAA last year (already had Trad Ann and TREA access along with a few CREF funds).
We'll keep TIAA in the future because of Trad Ann, and a few other holdings. Great representative locally.
We've each kept small accounts at Vanguard, and I'm trying to remember "why?!?".
RM
This signature is a placebo. You are in the control group.