I find it's difficult to keep track of. At one point I had money of one retirement color or another (traditional, Roth, HSA) being held by six different instit

I find it's difficult to keep track of. At one point I had money of one retirement color or another (traditional, Roth, HSA) being held by six different institutions in nine different accounts. Navigating the maze of who needs to send checks to whom has been a tremendous pain and I'm worried that I overlooked something in the consolidation effort.