as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
which u.s. online discount broker is the best value for money?
user
i agree, schwab representatives are easy to reach and very helpful. i also like vanguard for their low mutual fund fees, so i do my retirement stuff with them, but it took forever to get in touch with a representative just to ask a simple question. now that they are lowering their rates to 8.95 per trade (effective january 19th), the value for your money is even better.
assistant