Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

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Can’t move alight around. Nor HSA while in-service, I don’t think, but haven’t tried. You can pay to pull your MS ESPP to fidelity.

I know I don’t have to, but was just thinking since I’m consolidating other IRAs and brokerage accounts

HSA can be transferred - once a year by direct rollover OR multiple times via transfer. Payflex may charge a fee but there is absolutely no restriction on keeping HSA money in Payflex. In fact, you don’t even have to contribute to Payflex via paycheck (although it has some advantages)…you can directly deposit your HSA contribution into Fidelity HSA as long as you are on eligible HDHP plan.

Alight 401k - can’t do anything. If you have after tax money, that can be moved to external Roth IRA but can’t do anything about pre-tax money.

ESPP - yes, can transfer with a fee I think

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