Transfer or Not to get into IB

I'm currently a sophomore going into my junior year majoring in finance finishing my internship in WM at Morgan Stanley this summer.However coming from a non-target school I've been pressured by my mom telling me to transfer, to get connects from their schools. I need some guidance of what should I do and I currently do not a lot connections in bulge brackets ?

Also goal is too finish in 4 years, and I can defer graduation to get more experience under my belt but will that help ?

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