They are going to tell you that you have to look at the entirety of all your savings.

This particular account was most advantageous to taxes or something.

And even if they’re wrong they’ll at least be able to talk you into a gray area to comply with fiduciary stuff.

The real question is did they perform all these same switches to all their customers who have a similar allocation/risk profile. If no, could put them in trouble. A fiduciary is obligated to treat all similar customers similarly

Gotta trust yourself though. It’s your money.

Source: used to work at a place that was fiduciary. place made weird/ maybe bad decisions a lot lol