<prompt> Human: My spouse and I bought a home in a state without a Chase bank, and were trying to consolidate all our investment accounts into Fidelity. Were almost done, but I have an account with Chase that I cant figure out how to move.It is a taxable brokerage account that holds Vanguard Admiral shares -- VTSAX and VBTLX. Fidelity, however, cannot hold Vanguard Admiral shares, so I cant do an in-kind transfer. When I called Chase, they told me they were unable to downgrade the Admiral shares to Investor shares which Fidelity can hold without selling them first. The account currently has about 14k in unrealized gains that I dont wish to realize for, well, as long as possible.How do I get these Admiral shares into my Fidelity brokerage account without selling them and realizing the gains?If it matters, I also have an IRA with Chase that has the same problem, but I dont mind selling those shares because there wont be any tax consequences.Assistant: Transfer to Vanguard, then convert the Admiral Shares to ETFs, then transfer to Fidelity. Human: Hm... thats an idea that would work for part of it. Is Vanguard going to be upset about me having an account open for only a week before closing it?One of my funds is a bond fund, and this thread seems to indicate that the Admiral - ETF conversion cant be done with bond funds. Can I convert to Investor class shares instead of the ETF?  <response>: Even if you could it would not exactly make sense to downgrade to Investor class just to move it to Fidelity... While still low, I see no point in paying 3x ER just for holding it in a certain account. Id just keep Admiral shares in a Vanguard account and be done. 