 You make enough, plenty, to load that 401k up and do a Roth with Fidelity, and you may choose to move that Fidelity with the SmartVest 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's not bad. There's nothing wrong with them. All these mutual fund companies have good funds and not-so-good funds.