Need help with liability minimization when transferring funds from a standard brokerage into Roth IRA

I developed a standard brokerage account and Roth IRA in Ellevest between 2020-2025 (until they transitioned their assets to Betterment). It was my first time investing, and I let the roboinvestor do the work. Then once Ellevest moved to Betterment, I was running these two accounts via the Betterment roboinvestor for about a year. I am not maxing out my IRA, and contributing about $200/mo to each account (brokerage and IRA). I met with a flat-fee fiduciary advisor who told me I could simplify my

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