 You make enough, plenty, to load that 401k up and do a Roth with Fidelity, and you may choose to move that Fidelity or that Roth to the SmartVestor Pro from Fidelity, or they may help you do it with Fidelity. I don't care. It doesn't matter to me. Fidelity is not bad. There's nothing wrong with them. All these mutual fund companies have good funds and not-so-good funds.