Subject: Re: Just a few thoughts on the AM
I use Schwab, Fidelity, Wells Fargo and Vanguard to spread out my accounts. I find Schwab can be more limiting than the others.

For example, years ago when I was looking to start up a self-employed 401K, Schwab had lower maximum yearly contributions than Fidelity and elsewhere. It struck me as odd since the US Government set the limits. Yet, with Schwab, there was -- I believe -- a $5K difference in one of the contributions (I'm going back 20 years or so, so I can't remember the exact layout). When I brought it up to their representatives (more than once, since I thought maybe I'd get a more informed employee at some point), it always came back as 'it is what it is.' So I went with Fidelity where the account grew into a much larger piece of my investment pie than my Schwab account, so their loss and Fidelity's gain.

SD