Oh Wow! Thank YOU All.
As you may have gathered with all my anxiety and vascilating over this decision.
I am at my wits end trying to navigate in this 'unknown to me' world.
Thank you for your advice.
I was heading to TD to one of their Wealth Management officers.
She is a CFP and a CIMM not sure what the later stands for.
If I transfer to a TDW efund can that be a registered plan account.
Do I do it online or call a person at the bank?
I am not computer savvy either.
The only discount broker I have seen is Ed Jones.
Thank you again for pointing me in the right direction and helping me avoid the pitfalls.
I sure hope I can do this.