<prompt> Human: I have a Merrill Lynch account that was setup for me long ago. Now that I am making money and dug in to my ML account...the fees are pretty high. I have been reading trying to decide on which proved the best all around benefits for users between VG, FD, or Schwab. It is difficult to decide because for someone looking for low fees, short and long term investing pull some out in a few years for a down payment on a home, but also continue the account for the length of their life, and a great User Interface. I am sure this will be pretty split, but with the above criteria, is there one that really stands out?Thanks!  <response>: Fidelity has recently introduced some zero fee funds and changed many funds to no minimum. I really like the fidelity app website too. The fidelity 2 cash back visa is nice. I also like how fidelity will reimburse any ATM fees world wide on my cash management account and they reimburse the ATM fees the same day they post instead of at the end of the month. 