<prompt> Human: I largely agree with the basic premise of this subreddit: diversified portfolios in low-cost index funds usually Vanguard are the best option for long-term savings and wealth creation.However, my one diversion from this philosophy has been my broker: instead of investing directly through Vanguard into their mutual funds, I have purchased their ETFs through TD Ameritrade, where one has been able to buysell most popular Vanguard ETFs commission-free for a few years now. This is mostly due to inertia: I started with TD before moving to a more boglehead-oriented approach and have never had reason to move elsewhere.Lately, I have been considering selling these stakes and moving them over to Vanguard. This is mostly out of the fear that TD Ameritrade could, on any given day, elect to end their commission-free ETF offerings, leaving me paying them for each investment and reallocation. Vanguard could do this for their own offerings, I suppose, but I would like to think that it is far less likely.Is this worth it? I would, of course, pay capital gains on all of my current holdings, but would quickly move to reinvest them into the same funds at Vanguard. Another twist is that only some of my holdings would qualify for low-fee Admiral shares; it will take 2-3 years for me to get above the 10,000 level in each fund that gives me access to the best fees. Thanks for your help!  <response>: Why not just wait until TD theoretically starts charging for the funds in order to move? 