<prompt> Human: Ive had an IRA with Morgan Stanley for about 6 years; its at about 160,000. Im a set it and forget it long term investor so theres been very little trading in this account, over my brokers objections. No ETFs in it, theres been very little change. Ita a pain in the neck to get to his office and I dont want to think about what my next move should be or pondering over what his suggested next move is. Im considering moving it to Schwab and its intelligent portfolio setup, which rebalances automatically and its office is a ten minute walk from my apartment. Plus its website is very user friendly. I dont know the pros and cons or even how to evaluate this move outside of the fact that getting to his office is a PITA.  <response>: Depends on what the investments are in but probably a better move overall to go to Schwab, Vanguard, or Fidelity due to much lower fees which add up big time over the long haul. 