So right now I'm using both TD Ameritrade and ThinkOrSwim. I actually had two separate accounts and was going to transfer all to ToS but then TDA bought ToS so anyways I'm using TDA/ToS and trading on margin. The thing is, most of my assets are on TDA account and I'm an Apex member so I have certain advantages like free wires, free stock certificates (if I wanna wallpaper my house with some worthless stock certificates), and other little advantages like very very good customer service. Two problems with TDA/ToS at the moment. I can't trade futures (most of my assets are on the TDA side so I can't trade futures from that, even using the ToS platform). And the other thing is, they're charging me margin of 9%. My margin balance varies between 10k-60k. The thing is IB charges a margin close to the Federal Funds Rate, 0.2%!! And on IB I could trade futures, but I would lose out on other things like good customer service and free wires, etc. What are some of your insights on ToS/TDA vs IB? Would it be worth it to switch for lower margin rates? Should I try to talk to TDA and get them to give me a lower margin rate? I mean seriously at IB's margin rates, the money is almost practically free, I would just withdraw the maximum cash from it with a good buffer for stock fluctuations and pay off my car and student loan. And in case you don't know, the ToS trading platform is usable on TD Ameritrade, that's why I refer to it as ToS/TDA.