Probably never a concern for almost all of us, but as I said, with no obvious advantages to Vanguard, why *not* go to a place with a B&M presence, just in case?
-ERD50
Fair. IMO change is a hassle. It was hard enough creating a Living Trust. Kind of like driving the extra 5 miles to the grocery store that has that one brand of something that no one else has. Is it worth it? Nahhh.