Fidelity is incompetent as an investment company, or commiting fraud. I wanted to rollover my investments to J.P.Morgan Chase on May 1,2023. The employee insisted that I had to do a RMD, which is a distribution or withdrawal, which would cause an unnecessary Tax event for me this year. I explained that the regulation had been changed in December and I would not meet the age requirement for two years. He had to send my request for MY OWN MONEY to a special review team. It has been three weeks and the unnecessary review is still not complete. I should not have to teach them about current regulations, that is their job. I should be able to TRUST that they are up to date with regulations. I wonder how many unsuspecting folks have been made to follow the outdated regulations since Dec., 2022.