Build a decision-support tool that imports holdings, account type, cost basis, fund fees, transfer rules, and jurisdiction-specific tax/account constraints. It then models transfer scenarios, estimates break-even points, highlights hidden costs, and generates a step-by-step execution checklist for moving to lower-cost or more appropriate accounts.

More first-time investors are using low-cost brokers while also discovering legacy high-fee products, employer stock concentration, and changing account rules. Rising awareness of fees and tax efficiency makes automated transfer analysis timely.