Having that kind of cash with Fidelity gives you a lot of perks, but you still need to keep an eye on them. My Fidelity guy is now a VP, but because of my balances he still handles my accounts personally. I've been with them for a while and my conclusion is that they are no better (and often worse) than I am at financial planning and wealth building. The economy is always changing, and the big sudden changes are the ones that usually catch everyone (including the experts) by surprise. What worked well five years ago doesn't work anymore. You'll never get the kind of attention and analysis from Fidelity (or any firm) that you can get from yourself if you are willing to put in the effort.