We can debate investment vehicles ad-nauseam. Just sharing experiences with what has served me well so far. You may have your reasons for not liking their offerings, but after being on this stupid space rock for a while, and being fucked around enough by various institutions, I find that Schwab "fucks me less" in the grand scheme of things.

They provide me the financial peace-of-mind I desperately need at this stage of my life, with everything going on, and Rick transitioning into retired life now.

At the end of the day, I hold way more corn value in my Bitcoin Core wallet than I do fiat at any financial institution.