Sold On Loyal3: KO, VFC

I have sold off all my remaining positions on Loyal3 since I have consolidated all my stocks.  I also made the right decision to exit out of Loyal3 since they decided to use a new platform which would be charging a fixed fee every month to make free trades.

Sold On Loyal3: WMT

I am in the process of selling off my positions in Loyal3 since I'm not completely comfortable with their beneficiary designation process.  Loyal3 doesn't have any beneficiary forms to fill out so you would have to have your executor contact them to make arrangements.  This is something I'm not 100% comfortable with, especially since I don't want my children to have to deal with administrative headaches when it's my time to leave this earth.  I'm probably way too young to even be considering these things, but I just want to get all my ducks in order so that everything is all set in place for my children in case something were to happen to me or my wife (God forbid).  Estate planning is something I'll need to familiarize myself more with as I get older to ensure that my children get as much as possible without any complications.

Sold On Loyal3: AXP, DPS, DNKN, HAS, K, KHC, MAT, MCD, PEP, TGT, UL, YUM

I recently decided to consolidate all my brokerage accounts into one to simplify.  As a result, I am planning on closing out all my positions in Loyal3 over time at a gain.  If any stocks in Loyal3 have an unrealized loss on the books, I will not sell them until they are at a gain.  I still believe that Loyal3 is a great way for beginners to invest since there are no commissions and you can invest with as little as $10.  I also like that you can purchase partial shares based on the capital you invest with.  However, I want to eventually exit out of Loyal3 since I want to consolidate all my accounts and also for beneficiary reasons.  Loyal3 doesn't have a beneficiary form for you to fill out so you would need to have your estate executor coordinate with the people at Loyal3.  There were a few days where I tried calling the phone number, but it wouldn't let me leave a voicemail and I had to contact them via email.  This makes me uneasy, especially from an estate planning perspective.  Thus, I have made the decision to eventually exit out of Loyal3 once all my stocks are at a gain.