1) The standard software is mickey mouse. The charting and detailed analysis capabilities are a joke and there is no way to track expenses. I still have to use MSN's portfolio manager to analyze investments. 2) Trades take FOREVER. It typically takes 7-8 business days to sell and then complete the purchase of a new investment. 3) While stock trades are $7, mutual funds are $17. Otherwise, they have local offices, the service has been fine, and I have not had any accuracy problems to-date.