Smith Barney/MS does not have your best interest at heart. The FC’s (Financial Consultants) are driven hard to produce revenue (commissions) for the mother ship. Unless you have 1M+ under management, you are not going to get any love. I was with them for over 10 years. Charles Schwab on the other hand has a completely different business model and fee structure and excellent service. I highly recommend you call them and they will handle the account move for you. 3 months later you will wish you had done so long ago.