I've been getting that "NAG SCREEN" for almost 1 year now, so I wrote them an email online and here's their response.
NOTE ~ I only have 2 mutual funds there (Wellesley ROTH IRA and Wellington Taxable). I'm retired and don't contribute to either of them.
I've had them for about 9+ years and last year, decided to take my Wellington distributions (sent to my bank) quarterly.
I asked them "DO I NEED to" transition my account....in a nutshell....here's their response.>> Benefits on upgrade.
Below you will find information on the benefits of upgrading to a Vanguard Brokerage Account.
***** Please note, upgrading from a mutual fund only account to a Vanguard Brokerage Account is voluntary *****.
So....I didn't upgrade to their Brokerage account, and am totally fine with it. I never will either.