I've been reading the MMM site for several weeks and have been learning so much. I have taken a look at our Ameriprise account in depth for the first time, face punch:) I did not like the fees I found ($400.00 a month). I have convinced my husband to transfer our accounts to Vanguard and we have started that process. We should save $50,000-$100,000 over the next 20 years on fees. Thank you Mustache community!