So I want to open up a Roth IRA soon, and am a little indecisive on whether I should go with Merril Lynch or Fidelity. For right now, I am only really focused on a Roth IRA until I slowly start to learn about other stuff since I am not exactly finance saavy. A couple of other sub-reddits have really leaned more towards Fidelity in it being all around better except with maybe one or two things. I originally gravitated towards Merril Lynch because it is the financial institution that my employer uses for my 401k, and so naturally, I just went to them for some initial information. While I saw that in many ways Fidelity seems better than Merril Lynch (and I'm sure that it is from what I read), there is really just one main thing that pulls me a bit more towards Merril Lynch, and that is that there is actual brick and mortar location in my town. If i have any questions, I typically prefer to be able to talk to someone in person first and foremost over talking to someone on the phone, especially if it involves something I am not too knowledgeable on and it is regarding my money. This is just a personal preference, but I guess my only real question then is, if I am not mistaken, Fidelity is only online correct? Like there is no physical location? Also, and I don't mean to sound rude here, but if I were to go with Fidelity instead, is the customer service based here or like, in India. I only ask that because sometimes I have a little difficulty understanding customer service reps from the latter, and seeing as this is dealing with my money, I really want to make sure I am understanding what is going on. I look forward to and appreciate any help.
Thank You