OK, lets get something straight. TD Ameritrade does NOT manage money. They provide a platform for investment advisors to manage money. And not all of those advisors are FIDUCIARIES who promise to put your interests ahead of their own. My sniffer says you are not with a fiduciary advisor and need to make a change. You seem to understand that
Now, you don’t need an advisor in your city, but you do need a fiduciary advisor. My advise is to go to www.Wealthramp.com and fill out the form. You will be “Matched” with several advisors who fit your criteria. But they do not give our your contact information until you have read about the advisors and agree. Even then, you can have a meeting (in person or by phone) and do not have to do business with them. They are all “fee-only” advisors, so you’ll never have to worry abut commissions again!