02-18-2014, 10:06 PM
Oops, I may have just posted a partial, accidentally. Being 61, I moved my 403-b funds into a Vanguard trad IRA after I was 59 and half. Every six months after that I move balance of that 403-b into the IRA. My 403-b is with a lousy, high cost, high fee insurance co ( I work for a Fla public school district) and I still use them for tax-deferred payroll deductions until I retire in July. I also have a taxable account with Schwab, plus a Roth with Schwab. Both Vg and Schwab are great to work with, on-line and over phone. When I set up the Vg account, I had two 403b s and a 457. Vg phone agent that I cold-called in setting up the IRA, once realizing the total I wanted to move to Vg, connected me with my own
"concierge", who kept me on the phone as she spoke with all three other funds to set up the transfers. Three weeks later I had the Vg IRA set up with all the funds in place. They helped me again in similar fashion two weeks ago. So by the time I retire in July, all of my assets will be in two companies, one a traditional IRA, and the other a taxable plus my Roth. Sorry for the plug for both companies, but they make doing business very easy, and very inexpensive. -Chris
"concierge", who kept me on the phone as she spoke with all three other funds to set up the transfers. Three weeks later I had the Vg IRA set up with all the funds in place. They helped me again in similar fashion two weeks ago. So by the time I retire in July, all of my assets will be in two companies, one a traditional IRA, and the other a taxable plus my Roth. Sorry for the plug for both companies, but they make doing business very easy, and very inexpensive. -Chris