Only thing for me, I hate having our assets scattered all over. So I just buy from Schwab. Then our investing dollars are consolidated at only two locations, Schwab and our online MM account. If something happens to me, it will be tough enough for the wife to deal with all of the issues without tossing a large number of financial institutions into the mix. For me simplicity is worth the cost if it takes a few extra shekels to invest at an all in one site.