We used to have many many more accounts- I had 401Ks with 6 different employers in my career, DH has had one employer sponsored retirement plan, and our IRAs and taxable investments were previously held with American Funds. Now we are quick to rollover and consolidate as we are able. Both of our Traditional IRAs contain contributions sourced from former employer plans, and my Roth IRA also has former employer plan sourced contributions. I'm really happy to have simplified in recent years.