I had a small amount of money remaining in one of my accounts after transferring my money from Vanguard to Schwab. For some reason Vanguard but a "restriction" on some money that for whatever reason was not transferred as requested. I talked with a Vanguard Rep who said he could not lift the restriction and that the only way that I could get MY MONEY was to have Schwab request another sweep or I had to write a letter to Vanguard asking that the money be transferred to my bank or request a check. I was told that lifting the restriction could not be done verbally over the phone. This obviously makes no sense at all. All of the identity verification that I had to do in talking with the Representative doesn't seem work when it comes to sending MY MONEY back to me. The third option should have been, yes sir, I will make the transfer to your bank of record immediately. I can see why I changed from Vanguard to Schwab. I have nothing but praise for Schwab and the personalized service that I have received.