The transferal from Woodbury to Fidelity seems reasonable and practical. Before doing so, I would e-mail to Fidelity a copy of the Woodbury statement and ask for affirmative assurance that they would not require you to liquidate any of the mutual funds. Please do whatever is convenient and congenial to you. There are obvious advantages to reducing the number of your accounts; there are also advantages to keeping your eggs in numerous baskets. If you like dealing with Woodbury, and if they have a convenient Internet "bill pay" routine, all that would be necessary to convert the existing Woodbury personal to a Woodbury Family Trust#3 account, would be to mail them a copy of the Trust agreement, (which I could easily provide) and ask them to change the caption on the existing account. Since the same Social Security Number would apply to both the personal and the Trust Account the conversion should be administratively trivial. Please do whatever is convenient and congenial to you.