I just did a similar post about this thing a few days ago, so I'm going to cut and paste my previous info here and clean it up a bit for you:
TL/DR: Do your homework, figure out your AA, ask questions here, and once you're ready, invest with Vanguard (or Fido if you're already in with them) and SELF MANAGE a simple 2-4 fund portfolio. Don't over-complicate things.
Long version:
You do not say who exactly you have the Roth IRA, traditional IRA and brokerage accounts with? I'm going to assume Fidelity since you go on to mention calling them for help...
If you are looking for the best place to house your investment/retirement accounts/portfolio, then Vanguard is a no-brainer, but if you are already with Fidelity then it's fine to stay put as they have comparable funds to Vanguard. You do not need to have them manage it for you. You should first do your homework - in other words, learn about how to invest, and figure out what your goals are and your comfort levels with general volatility, and then decide your asset allocation and THEN sell off the crappy funds you currently have and invest in the ones that fit your plans.
Vanguard is the gold standard. They literally wrote the book on low cost investing. Vanguard was founded by John C. Bogle, the guy that came up with index funds and the company is founded on the principles of low cost, market tracking funds... you really can't do better than them insofar as a trust-worthy, solid investment group that isn't out to make themselves huge profits off of your money. Vanguard is owned by the funds themselves and, as a result, is owned by the investors in the funds.
Totally my own opinion and full disclosure, I use Fidelity for my investments, and I am very happy with them.
Fidelity is great as long as you self manage and stay away from their high fee funds or pay someone to manage your portfolio. In order to stay a leader in the investment field, they have a whole series of index funds that are as good as Vanguard's and their customer service/perks are arguably better than Vanguard. If you feel the need for a bit more handholding (I did), then Fidelity might be more in line, but do your homework and stick with their low cost Boglehead style funds outlined
here.
Start here:
http://jlcollinsnh.com/stock-series/ with either Mr. Collins' book or read through the series on his website. Then head over to Bogleheads site, and read about how to write an
investment policy statement, and figure out your
asset allocation. Do some research on
lazy portfolios there as well.
For example: I have 3 Fido index funds (refer to the Bogleheads fido link above) in my total portfolio: FSTVX total stock market, FSITX U.S. bond index and FSRVX, a REIT index. I technically am overcomplicating things holding the REIT, but I like the extra real estate exposure and it fits with my AA and IPS. ;)
Anything American Funds is a big NO. All of their funds to my recollection are loaded funds - meaning they take a large cut off the top just to give them your money to invest, and then they charge you an additional high expense ratio to stay invested with them and that management fee is awful (and additional to their expense ratios AND the load fees). They're little better than Edward Jones (EJ in my opinion: a terrible, horrible, awful, should be ashamed of themselves type of company). Steer way clear of any company/funds that want to charge you a load fee or offers "class" type of investments because it is all crap designed to put more of your money in their pockets.
Fortunately, once you decide exactly what you want to hold for your AA, selling off things like that American Funds in a traditional/Roth IRA is tax free and easy.
But that horrible nasty no-good MFS MODERATE ALLOCATION CL C in your taxable account... oh man, that is terrible. It has a transaction fee if you hold it in Fidelity just to buy/sell, it is a loaded fund, meaning they skimmed off a percentage when you bought in and do so each time they reinvest (class type funds are ALWAYS shit type funds in my opinion), AND it charges a back-end load of 1%, meaning when you sell that bastard you get hit with an out-the-door fee scalped as well, AAAAAAND the horrible 1.74% expense ratio is just... wow. Whomever advised you to put that piece of shit in your portfolio at all, let alone compounding the mess by buying it in a
taxable account... this is someone to not spit on even if they were on fire. Seriously.
You're should stop the reinvesting on this nasty fund ASAP (no more money into it, and call them and tell them to stop reinvesting (or you can change it yourself*) and go to cash on dividends/distributions - not another penny in that dog - and slowly start selling it off once you figure out your AA. But run, screaming as soon as you get your gameplan figured out.
The problem is that a taxable account's cap gains, distributions and dividends count towards your income, and if you're already close to or above the 15% taxable bracket, then any selling going on is going to create taxes - potentially lots of taxes - owed. So getting out of that fund won't be easy because you'll want to keep the selling off low to make sure the gains aren't going to push you into owning thousands of dollars come tax time. Knowing whether you have like $3K versus having like $30K in there might make a difference. I'd advise you to dump all of as soon as you figure your AA out if it was the smaller amount, but you'll need to slowly sell off over a multi-year period or wait for a loss/crash to minimize the damage selling off a large amount. And while you say you have Vanguard institutional funds 2050 in your retirement account through work, again, if you have a Fidelity account holding a Vanguard fund... this may not be the absolute best. You are getting charged a transaction fee for the non-Fido fund every time you buy/sell most likely. It would be better to get the Fidelity equivalent if it is available, but if it is not then stick with the Vanguard one as it is still likely better fees/broader coverage than most offerings in a workplace plan (but you'll need to do some checking against the Boglehead Fidelity fund site mentioned above).
So do a little bit of reading (the links above), spend some time spent asking questions/reading on this forum, and that will get you all the ability and confidence you need to select a lazy portfolio asset allocation of 2-4 funds, move some things around and dump the dogs, and throw your money in your shiny new AA and be very happy. Most folks don't even have to look at their portfolio but once or twice a year (if that) to check and see if rebalancing is needed, and that generally can be figured out in under an hour.
If you can figure out how to drive a car, hold down a job and keep the bills paid... you can manage your own investment/retirement portfolio - you totally can do this. ;)
*Assuming account is with Fidelity: go to ACCOUNTS & TRADE/ACCOUNT FEATURES/BROKERAGE & TRADING/DIVIDENDS & CAPITAL GAINS/ and then locate your taxable account and select the "Update" action. Change both dividend/cap gains to "deposit to core account" making sure to also select the checkbox below for "All mutual fund positions currently held in this account" and click the update to save changes. Confirm you now have all funds reading as deposit to core account and you're good!