I will weigh in that for some individuals, the possible behavioral premiums and factors tilt could make up for some of the fees. I would advise you though to see if you could negotiate periodic fee reductions. I just got a $100 credit for threating to cancel a credit card (free service for one more year), perhaps there are hidden better deals.
Once your balance gets serious, I imagine better fee structures or even no fee could be negotiated, since they earn management fees from Vanguard and others for their accounting work and can loan shares, etc.
I would cite the broker bonuses to switch (roughly one year of fees) and see what you get offered.
Two additional things:
1) I've checked w/ Schwab on my fees. I know this isn't good, but I can't remember what they are, other than that they were really low and lower than Betterment even when I went w/ the plan that gives me 24 hour access to a CFP. They charge me about $50 a quarter. I'm OKAY w/ the cash because I'm sitting on an additional 145k in cash to build a house in cash in the next few years on a piece of land I bought. If I want to invest more in Schwab I can add some of that cash.
2) My knowledge has increased investing and I hope it will continue to. One thing that isn't taken into consideration here is the time it takes for me to learn and then do all this myself. As an entrepreneur I always need to put a value on my time and what it costs for me to do this myself. I think ultimately, as I learn this all myself, I might go with Boarder42's approach. Why not save the money if I can? But for now I think I've got a little more learning to do before I'm confident and comfortable doing it myself.
Boarder42 if you have a suggestion on what I should study to get to this place (as if I'm starting out as a kindergartener or at least not sophisticated, let me know)
Thanks for the help everyone!