I've seen situations where Fidelity won't let you OR your spouse access your retirement funds if your spouse ends up in legal trouble. I really wouldn't keep mo

I've seen situations where Fidelity won't let you OR your spouse access your retirement funds if your spouse ends up in legal trouble. I really wouldn't keep money you need to be able to access with them. My friend ended up in prison non-finance related and his wife didn't have access to their retirement account (luckily she had other income sources).