I track all our investments on a spreadsheet and update prices daily. The net result is I see all our investments accounts rolled together as one entity and make asset allocation decisions based on the total picture.

I also have all our other assets, liabilites, income and expenses listed on the spreadsheet so I know our net worth on a daily basis.

For example, at Vanguard you can purchase Admiral Shares which have a lower expense ratio. It’s a way of rewarding their high value customers, and I would certainly recommend Vanguard. I even get a direct customer service line to a specific customer service agent I’ve worked with for the past 5 years.

I’ve had my account there since my 20s, but when I rolled my former 401k into my Roth IRA, I paid zero charges and a Vanguard rep walked me through every single possible step.

It should only cost $50 or so an account (at least for Roth) to transfer it depending on where the accounts… it’s worth it though, makes everything much easier.

The ESAs have very different horizons and risk tolerances, so I would develop a separate plan for each.

If the expense ratios are high at your current brokerages, then that will make up for the transaction costs very quickly. If the ERs are comparable to Vanguard’s then there may not be a significant financial benefit to transferring. However I find it very convenient to keep everything I can there. I only need to keep one company’s funds and policies in my head, and it’s aesthetically clean and simple. If it were me I’d move it all to Vanguard.

I am a “fiddler” and have learned that I’m best served by a dead simple allocation with 3 or 4 funds, and would recommend the same. I’ve received a lot of helpful advice at the Boglehead forum, you might try asking this question there.