[mtgordon]

I just got a letter saying that Zecco is going to charge a "$15 first quarter custody fee" to hold "physical securities." I currently only have ETFs through Zecco but I assume that they have physical securities or I wouldn't have gotten this letter. I guess the first question is if that is true.

Secondly, I can have them send me the securities to avoid the fees and I was wondering if that would be worth it. I'm definitely a 'buy and hold' guy, but it seems like rebalancing would be more of a pain if I have the securities.

Thanks for the advice. I promise I'll figure this stuff out sooner or later.