<prompt> Human: Since starting work 1.5 years ago, Ive been diverting 1500 monthly to a Schwab brokerage account Intelligent Portfolios to automatically invest for me. I recently learned it may be better to invest through a set of Vanguard index funds or through BettermentWealthfront. I dont like how much of my portfolio Schwab insists on holding in cash, 10.Any guidance on the tax implications of selling all my shares and moving the funds over to another brokerage? Is it better to do this in 2017 or 2018?For more context: 23yo, female. Im already maxing out my retirement accounts 401k through work, RothIRA. I have no specific purpose for these investments other than potentially using it for a down payment much later down the line.  <response>: Take the money out of Schwab Intelligent Portfolios and just invest in Schwab Index funds. Schwab is currently the low cost leader, cheaper than Vanguard. You will get funds that track the same indices as Vanguard with the same zero fees, and lower expense ratios if you just stick with Schwab. There is really no reason to switch to Vanguard. 