Thanks everyone for the thoughtful replies. Much to think about, but a lot of what has been said confirms my own view of Fidelity. I see them
as a huge, fairly straight organization with an order-of-magnitude too many funds: lot of good funds and a lot of bad ones---curious how their ads always tout the good ones; e.g., Contra. How come they don't talk about Magellan anymore? I have owned a little for 20+ years, unfortunately. My situation is much more complicated than I described in my firstpost. A lot of life has happened to me: A wife who was sick for nine years before passing, a child with medical problems which may keep her from full-time work,two irrevocable trusts, consulting jobs, inheritances, remarriage, etc. etc. I should have qualified that I was Boglehead-like in an earlier life, but in the last decade plus I have been in a reactive get through the day mode. I now look at my very complicated holdings and wonder "how the heck did I do this to myself?" I knew better…
Mudpuppy: I tend to be distrustful also. Hence the questions in my post. Thanks for the Spartan comments. Found out that UC has cut a deal with Fidelity that
makes them even cheaper for UC 403b's.
SGM: I never got cold calls from Fidelity. Cold letters perhaps, but the two times I accepted invitations for retirement reviews (seven and three years ago) were very
informative and not at all self serving. In fact, the first guy spent a lot of time with me, ran the numbers, told me I was doing fine, laughed, and said his only advice was
to spend more money! He never did any follow-up with the goal of pushing me in Fidelity's direction. My plan is at some point to run my investments by this forum and ask for advice. Quasi-auto-pilot is the goal.
Livesoft: Bingo on capturing assets. That was exactly my impression; I should have mentioned it in my first post. No great pressure towards active funds---she even
said good things about Vanguard index funds---but definitely a push to put all funds under Fidelity's custody.
Exoilman: Neither wife nor child are financially sophisticated. Good point.
SpringMan: I was also impressed with my retirement review.
JW Nearly Retired: Should have added that Vice President was in the title as well. Is there anyone with a bank or a brokerage firm
above the level of teller or secretary who is not a veep?
Nisiprius: No CFP on the business card, but an insurance license number (gulp). She has a business degree from an Ivy-level university. I think I asked
for her credentials, she had some, but I forget what they were. I will not automatically trust Fidelity. The $70 number is the same I remember. Does not seem
like a lot to me. My sense is that the Fidelity Spartan stock incices are fine, but VG may have the advantage bond fund-wise.
Random Musings: Yes, in some ways Fidelity is not the best. However, they administer my UC voluntary retirement funds (403b and after-tax,) which are 1/3 of
my holdings and which for various financial and legal reasons I do not want to roll over to IRA's. I think (could be wrong) I need mostly administrative help---rather
than financial advice---and Fidelity seems to be a good choice in this area. Finally as I mentioned, I really need face-to-face interactions: just general
lack of comfort with telephone, mail and internet interactions, also my hearing is going. This is all frustrating to me, and I suspect that if I don't use Fidelity,
I won't move at all. But your point is well taken. I need to think for myself and resist a lot of expensive active stuff.