<prompt> Human: I have about 50k invested with a broker. Its not much but its about half of my retirement other half is in my work 401k. I have given some thought to firing this broker and moving it into Vanguard and redistributing it amongst 2-3 funds. Currently it is spread out amongst a dozen or so different funds. I have a good relationship with this broker and shes talked me off the cliff once or twice and given me good advice about rolling a traditional IRA I had into the Roth. My only concern is the fees I may be paying and how much theyll eat into my retirement. Im with Ameriprise if that makes any difference.Is firing my broker a good idea here and if so, how do you have this conversation? I have no beef with her personally though I admit if she retired tomorrow Id probably take the opportunity to go out on my own. Assistant: If youre falling into the oh my, the market is down sell now!!! trap, a broker may actually be worth the fee youre paying. Ameriprise is abysmal, but its not as bad as an undisciplined investor who is going to subject themselves to some real risk.You can fire them by doing a direct transfer. Call Vanguard and theyll handle it.Human: Ive been with this broker for several years. I feel I at least owe her a conversation.  <response>: The conversation can go like this:I appreciate the services youve provided for me these several years. However, I now feel comfortable with my investing knowledge and Id like to take more control over my future. Please expect to be contacted by _insert financial institution_ for a direct transfer of funds.Your relationship is a business relationship. You cant be a charity here - if youve found a better deal somewhere else like Vanguard then you are only hurting yourself if you dont go. 