Unfortunately, this story is all too real for too many people.  After almost 40 years in financial services, I have stumbled onto a vastly unfilled service need - helping consumers understand, integrate and dealing effectively with the banking and investment industries. A general lack of knowledge, a surprising level of inattention to detail and a general feeling of intimidation when it comes to dealing with the industry, is making many situations worse than they need to be.  Over the last several months, more by accident than design, I've been asked to coach 6 to 8 individuals through to a resetting of their relationship with their financial provider.  In several cases, the individual has been able to save a substantive amount of fees.  I'd encourage anyone who identifies with the subject of this story to seek out assistance.  I promise that it will be well worth the effort.