If you are happy stay with them. From what I know it isn't as if there are issues like with the governments TSP for inheritors. - Rich

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Thanks, that took a while to write and I appreciate it.

Yes I have been with Vanguard for 30+ years. I also had accounts at Ameritrade and T. Rowe Price. As I prepared for retirement, I slowly consolidated all into Vanguard, and have for the most part been satisfied with the things I used them for.

I was rocking along for years with my kids as beneficiaries, 50/50 on all three accounts. Then one day i ran across a story like yours, of someone who had a terrible time with an inheritance held by Vanguard. There I learned, that until all beneficiaries complete their paperwork, including setting up an account to receive their inheritance, Vanguard would not distribute anything to anyone. That caused me to change things because one of my kids is so irresponsible, he may not even be locatable at my death, meanwhile my daughter would wait and wait and wait. Not Good.

anyway, thx again