Good advice. I have used Vanguard for many years and they do an excellent job. The Wellington and Wellesley funds are two of the best in the industry and there index funds are some of the lowest expense ratios available. However I also use Fidelity and Schwab on a somewhat limited basis for speciality products. It's hard to beat the Schwab investor checking account with a debit card. No fees anywhere in the world and VERY competitive exchange rates for other currency. If you travel out of the US anywhere that one card is the least expensive way to handle foreign exchange and ATM's
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