Interesting discussion. One question would be how much of a risk is this overall? Fidelity has over 40 million customers and Schwab over 30 million. Bad actors would not likely come after you personally. They’d rather gain access to large numbers of accounts. Sort of like someone breaking into your house instead of one of your 39 million neighbors’ houses.
We can’t seem to get security down to absolute zero risk. So as Clark has mentioned many times, get your financial statements on paper and keep them on hand (maybe in a fire-resistant box in your house with copies in a safety deposit box).
Set up an account with a company such as Monarch that tracks all of your finances so you can quickly spot any discrepancies. Freeze your credit. Don’t write down passwords unless you’re sure your house is 100% secure (and that any visitors, even friends and family, aren’t able to snoop around and find them).
I’m curious why anyone would even call these companies? I never do, and I have accounts with both. No reason to call them. An AI copy of your voice would still be useless if you avoided phone communications. Try doing your transactions directly on their websites using a secure computer. Or their chat function or email. And instead of driving to a Schwab office just to change your password, if you’re tempted to call them, just go to the office and speak to a human!