Open an IRA account at Vanguard. About 5 seconds after I saw how much I would save by rolling over my 401k to Vanguard, I got to work. You’ve been spending a reasonable amount on fees for the duration of your 401k. Download: Certificate of Authority for Retirement Plans That $20,192 is the amount paid in expense ratio fees. Fund investors nevertheless can do well at Vanguard, but the broker needs a major software overall to … Learn how to transfer money to Vanguard. Vanguard said Tuesday that IT services firm Infosys will assume day-to-day operations of Vanguard’s DC recordkeeping business.. It will make my day if you subscribe to my Channel and Please share with friends and family! How to Rollover a 401k to Vanguard. Incredibly, that $10,000 401k is estimated to be worth $174,494 after 30 years assuming a stock market average 10% return rate. He also verified that I wanted to do a rollover IRA and asked what type of investments I wanted to place the money in once it reached Vanguard. Roll over your 401(k) or other employer plan to a Vanguard IRA, Get answers to common account transfer questions. Jul 12 Bookmark. I called Vanguard at 888-499-970 to initiate the transfer. As with a rollover to an IRA, you’ll be able to keep all your retirement assets together. Click through to learn all the benefits of a 401k rollover. All $260,000 in fees came from one source: expense ratios. We already have an account with e-trade so would be convenient to consolidate everything with them but it seems like Vanguard might be a better choice? Find out which to use when. What’s working? Monday through Friday Most transfers can be started online and are finished in just a few days. 7 months after I left the company my 401k was still invested, still growing. So what was all the fuss about? Diversification does not ensure a profit or protect against a loss. Just plug in the numbers and hit calculate for it to do all the compound interest formula for you. I figured at that time I would just take any "extra" money after I maxed the SEP and use it to pay down student loans. When you transfer funds from your MassMutual 401k into a new account, you should receive a 1099-R form directly from MassMutual. There are lots of companies that sponsor 401ks (Merrill Lynch, Fidelity, TD Ameritrade, Charles Schwab, etc. I called Vanguard at 888-499-970 to initiate the transfer. Investment funds are those options you select when you first setup your account, such as the “Retirement 2050 fund.” Each investment fund has an expense ratio that’s charged annually as a percentage of the total amount in the fund. from Vanguard to Chase? Initiate a rollover to move money from an employer-sponsored plan, such as a 401(k) or 403(b), into a new or existing Vanguard IRA®. Since mine did not, I chose to rollover my 401k to Vanguard because I already had a Roth IRA and a personal investment fund with them. Honestly, I didn’t care enough for it to make my to-do list. 3. To decide whether you should roll over or not, compare the expenses of your current 401k to the expenses of the new 401k and your IRA. Easy peasy. Bank Transfer Form - Institutional Provide bank account instructions to make electronic bank transfers and wire transfers between a U.S. bank account and your Vanguard account. It all hinges on where your money’s coming from. Now let’s take that same 401k and account for the .45% expense ratio. You'll get useful tips along the way, but you can call us if you have a question. 286 1 4. Account number brokerage account. If you also need a new account for … I don’t know about you, but finding out I could save $260,000 in fees was highly motivating. New account : Change of Ownership between existing Vanguard Nonretirement Accounts. You will need to have a copy of a statement from the last 90 days from the account you want to transfer to Vanguard. Even professionals don't enjoy combing through paperwork. Who knows what happens to the money if I take it out and move it to Vanguard? Nonretirement investing Vanguard Education Savings Account » Learn about opening an Education Savings Account, and get the forms you'll need. Take control, starting now. Make it easier to keep your portfolio balanced and diversified when you consolidate with one company that offers a broad range of investment choices. Ask Vanguard for your account number and their mailing address for rollovers. Doing so makes the process quick and easy. By now you’re up to your eyeballs in math that may not make sense to you. Same day. Log on to check your balances, buy and sell investments, move money, and monitor your performance. with The Vanguard Group, Inc., the funds’ transfer agent. After performing the search, the form will appear. Your account balance is scheduled to transfer to Fidelity. You should receive an email notification when your assets are in your Fidelity account. I currently have a SEP-IRA at Vanguard with about ~120k in it. Learn more about how a 401k rollover works with our easy to follow infographic. As your account grows at Vanguard, so do your cost savings. 8 days after our call the funds were deposited into my Vanguard account. 401k Rollover and Transfer IRA Investment Options. I’m almost done consolidating her stuff in a Vanguard rollover IRA, I have one account left to do (ironically, the opposite of the transaction you did – going from Fidelity 401K to Vanguard IRA). Contact your former employer to provide instructions. Your new 401k almost certainly has a target-date fund. Monday–Friday 8:30 a.m. to 9 p.m., Eastern time. Here’s where I found the expense ratios within my Roth IRA at Vanguard and my 401k at Merrill Lynch. Vanguard Marketing Corporation ("VMC") is the distributor of the Vanguard Funds and a subsidiary of The Vanguard Group, Inc. VMC is a registered broker-dealer, member FINRA. Merrill Lynch was a little more complicated. We bridged Merrill Lynch into the call, and within 20 minutes had the transfer underway. I wanted to have a professional direct the transfer so that it was done correctly. Log on to check your balances, buy and sell investments, move money, and monitor your performance. Some companies allow employees to roll their old 401(k) plans into their new accounts. By plugging my numbers into the calculator above I realized how much expense ratios were going to cost me in the long run. in these investment options at Vanguard as of Dec. 31, 2019 will transfer to the same investment options at Fidelity and remain invested in the market during the blackout period Future contributions . At this point I'm starting to regret not starting a 401k so that I could utilize a backdoor roth option. You need your IRA custodian’s name (Vanguard, for example), your account number, and a delivery address. Save my name, email, and website in this browser for the next time I comment. They are calculated with a simple equation: Total investment amount * expense ratio = Annual fee. If you are unhappy with your fund performance and/or the fees associated with them, you can either change funds within the 401k or rollover the 401k for more options. Request the transfer. I have a 401k (both traditional and roth) at Fidelity and recently tried a roll-over from the Fidelity 401k to Vanguard IRA (Rollover IRA and Roth IRA). We rank Vanguard's best actively managed funds, including its target-date solutions. Harvard Law Attorney George Blower reviews the top reasons why clients transfer or switch providers including from Vanguard. All assets in your Vanguard Brokerage Account, including Vanguard mutual funds, will be held by Vanguard Marketing Corporation. Use this process to transfer Vanguard IRA mutual fund and brokerage holdings from one former spouse to another as the result of a divorce. Confirm the last legal address of a deceased Vanguard Brokerage Services® client if you're the executor of the estate. My 401k only had 18 funds that I could select from, and the average expense ratio was .30%. Find out which to use when. Crew members are expected to use the online forms process to assist clients, when possible. Use this process to transfer Vanguard IRA mutual fund and brokerage holdings from one former spouse to another as the result of a divorce. When I initially set up the plan and as I have posted elsewhere, I chose the SEP for simplicity. We go further today to help you retire tomorrow. For example, VFFVX is equivalent to FDEEX (but it looks like the Vanguard one is better because it has much lower expenses). Most importantly, find the fund you want to invest in. Roll over your old 401k to an IRA to gain investment flexibility without losing tax benefits. with The Vanguard Group, Inc., the funds’ transfer agent. After signing in and selecting my 401k plan, I had to find the “Average annual total returns” tab under “Investment Choices and Selection.”. If you also need a new account for your move, we'll help you open one along the way. The short version of this is:401k total in 30 years at 10% interest rate: $174,494401k total in 30 years at 10% interest rate – .45% expense ratio: $154,302Total amount paid in expense ratio fees: $174,494 – $154,302 = $20,192. Contact your former employer to provide instructions. I could have called Merrill Lynch for assistance transferring my 401k, but I find the company receiving my business tends to be easier to work with than the company I’m leaving. Processing time to buy Vanguard funds with proceeds from the sale of brokerage assets At least four days. That doesn’t seem so bad, does it? Step 2 Start your transfer online. For accounts in the Vanguard 529 College Savings Plan: Please don't mail checks without investment slips. After quitting my big corporate job, I had an item on my checklist that I wasn’t sure how to tackle: rollover my 401k. When I initially set up the plan and as I have posted elsewhere, I chose the SEP for simplicity. T. Rowe Price makes it easy to move your old 401(k)* or IRA by working directly with your current provider to handle as much of the paperwork as possible for you. About 5 seconds after I saw how much I would save by rolling over my 401k to Vanguard, I got to work. Open an IRA account at Vanguard. As an average investor at best, I like to pick index funds. He finally moved one account to Vanguard this year and the following is his experience. Request the transfer. Open or transfer a retirement account (i401(k) or Roth, traditional, SEP, SIMPLE, or rollover IRA) Internal only . Move funds; Move funds into a new or existing IRA at TIAA Make a separate request for each investment company you're transferring or rolling over from. Th . Jan. 2, 2020 . I opted for a money market holding fund until I could do more research on their offerings. Ouch! Easy as pie. If Vanguard has any questions regarding the transfer request, you should conference your solo 401k plan provider since they don’t have access to your IRA account. What’s the Difference Between a 401k and Roth IRA? Merrill Lynch vs Vanguard Results Vanguard’s funds aren’t enough to give the broker an edge over powerhouse Merrill. Save time, cut your costs, and enjoy how much easier it can be to manage your investments. I like the ease of the account administration, I can transfer money into any of my accounts (Roth, Trad, 401k) at any time with no extra charge. The easiest way to do this is to type 'Transfer Account' in the search field, which appears in the upper-right corner. Generally you can find it by signing into your account online, and find the fund(s) you’ve selected. By bringing your old 401(k)s and IRAs together, you can manage your retirement savings more efficiently. One regret I have is I rolled my old 401k into Vanguard prior to setting up my business i401k. Meanwhile, my Roth IRA was invested in an S&P 500 index fund with an expense ratio of only .04%. Talk with an experienced investment professional. What’s the difference between a transfer and a rollover? Use account transfers (also known as "asset transfers") to combine smaller accounts into one, and you could decrease your fees as your portfolio grows larger. For all of these reasons, that seemingly small annual fee is likely to become a very large amount. Vanguard account: o Request a transfer between investment options; o Request a loan or distribution; o Check your account balance; or o Make changes to your contribution rate. What WOULD happen if I took it out of TSP and did not put it into an IRA/roth, etc but just placed it in mutual funds? Using a 9.55% interest rate, the same $10,000 401k is worth only $154,301.97 after 30 years, a difference of $20,192. But for the money have been put into the account, are we allowed to move it around? Vanguard doesn’t allow you to combine the accounts after the fact. The representative from Vanguard had clearly been through this before. I figured at that time I would just take any "extra" money after I maxed the SEP and use it to pay down student loans. Convenient — Review, access and adjust your account via a single statement and one website.. Holistic — Use our innovative income projection calculator to get a more accurate view of where you stand in reaching your retirement income replacement goal.. All investing is subject to risk, including the possible loss of the money you invest. Additional forms: Affidavit of Residence. Keep your family more informed today and prevent sending your heirs on a financial scavenger hunt. Let’s say for instance I had $10,000 in my 401k and the expense ratio is .45%. She was friendly, precise and professional. Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Speaking of solo 401k, I heard that Vanguard recently asked all its solo 401k plan customers to “amend and restate” their plan with a new package of documents. Institutional investors. Rollover/Direct Rollover versus Transfer Rollover typically refers to migration from two types of plans, while a transfer describes IRA-to-IRA. Vanguard What to consider when choosing a broker If you’re planning to roll over your 401(k) into an IRA, you’ll likely be most concerned with a broker that can do the following things best. I still had access to it, and there were no penalties I’d encounter by leaving it where it was. However, plan sponsors will continue to be served by Vanguard’s relationship management teams, strategic plan design, and communication staff. If Vanguard has any questions regarding the transfer request, you should conference your solo 401k plan provider since they don’t have access to your IRA account. It’s all there in front of you. Call 800-416-5827. Account transfer or rollover? Rolling over a 401(k) is an opportunity to simplify your finances. Get a clear, comprehensive view of your overall strategy. Move funds into your employer-sponsored plan at TIAA Use this request to move funds from your other financial company into your employer-sponsored plans at TIAA. Brokerage assets are held by Vanguard Brokerage Services, a division of Vanguard Marketing Corporation, member FINRA and SIPC. Now it is time to give Vanguard some information about the type of account you are trying to transfer: Roth IRA, Traditional IRA, 401k, 403b, taxable, etc. Website for personal investors. What would you recommend for us? Have accounts here, there, and everywhere? All I had to do was verify my identity by providing my SSN, employer start date, and employer termination date to Merrill Lynch to validate my account and begin the asset transfer. Account number brokerage account. Start your transfer or rollover I currently have a SEP-IRA at Vanguard with about ~120k in it. Once you receive the transfer check in the mail , confirm that it was made payable in the name of the solo 401k plan, and then deposit the check directly into the solo 401k account that is for your benefit. It took me about 15 minutes to find the funds and corresponding expense ratios in two different accounts. Before rolling over your 401(k) to a Vanguard IRA make sure to understand the process, paperwork, fees, and other considerations to avoid delays. Although they offer instructions on how to do this online, it can be easy to make a mistake that can cost thousands. I called Vanguard at 888-499-970 to initiate the transfer. Laws and regulations change. Eventually I had enough time on my hands to take a closer look. Start your transfer online We're here to help. Are you a Vanguard investor or are you looking for information about Vanguard and its services? Why people rollover 401ks was lost on me. You can use this sample text: “I’d like to roll my 401(k) over to an IRA. See the . Confirm the last legal address of a deceased Vanguard Brokerage Services® client if you're the executor of the estate. 401K. For broker-dealers, registered investment advisors, and trust or bank brokerage professionals. Vanguard Brokerage Services® Retirement Account Kit » Learn about opening a self-directed traditional, Roth, SEP, or rollover IRA, or transfer an existing IRA. I know that this is a routine transaction, but it isn't routine to me, and my 401k is the largest part of my net worth. At this point I'm starting to regret not starting a 401k so that I could utilize a backdoor roth option. Your account balance will be valued by Vanguard at 3 p.m. Central time. Roll over your 401(k) to a new employer’s plan. We can do it using the same compound interest formula above, except we will use an interest rate of 9.55%. Vanguard funds account for a third of the 100 most popular 401(k) retirement products. This will help you fill in the next section. ), and the steps to find the expense ratio are different for each of them. This guide will help you understand rollover options and rules, and if rolling over your 401k into an IRA is appropriate for you. Although they offer instructions on how to do this online, it can be easy to make a mistake that can cost thousands. What are the penalties, if any? Ultimately, I care more about this stuff than she does, so it falls on me to do but I also think on a basic level she can appreciate not having to track multiple accounts. I have been hounding him to rollover his various 401(k) accounts from previous employers into a single IRA for over 5 years. Order investment slips. 401k Rollover and Transfer IRA Investment Options We go further today to help you retire tomorrow. However this option remains on the IRA Distribution Kit paper mail-in form. This guide will help you understand rollover options and rules, and if rolling over your 401k into an IRA is appropriate for you. 877-662-7447. The easiest way to do this is to type 'Transfer Account' in the search field, which appears in the upper-right corner. We rank Vanguard's best actively managed funds, including its target-date solutions. If you don’t know what fund to select, consider talking with your financial advisor or someone you trust with financial decisions. Vanguard funds make outstanding investment choices for retirement savings plans. This is where I learned that the expense ratios of my old 401k funds were going to cost $260,000 more than my Vanguard fund over the course of 30 years. Easy as pie. Our total net worth is around $500k and we are targeting to retire in 5-10 years (we are currently 35 years old). That’s great! Doing so makes the process quick and easy. For a savings of over $260,000, the time and money were well worth it! All assets in your Vanguard Brokerage Account, including Vanguard mutual funds, will be held by Vanguard Marketing Corporation. If you like the fund(s) and their expense ratios, there is no need to do anything. Vanguard funds account for a third of the 100 most popular 401(k) retirement products. Be sure to fill it out and file it with your other tax forms. How a 401k Rollover to Vanguard Saved Me $260,000, Travel Hacking 101: How to be Frugal without Sacrificing Travel. SIPC Account Ask Vanguard for your account number and their mailing address for rollovers. Get back multiple hours when you don’t have to juggle multiple statements, tax reports, websites, passwords, e-mail addresses, and phone numbers. Simple — Easily manage your assets and reduce the need for multiple accounts. This is not unusual. I checked my 401k account, and it does now show my status as “Terminated - Payment Deferred.” So I am assuming that it is now ok to start the transfer process to Vanguard. If the check is made payable to you instead of Vanguard, you should endorse it, include the above information, and mail it to us within 60 days. Of course, there are a few more details, which we will cover. Use this process to transfer Vanguard IRA mutual fund and brokerage holdings from one former spouse to another as the result of a divorce. All of this cost me about 45 minutes and a $26 account termination fee from Merrill Lynch. More on Investing. Once the assets are here, you'll have full access to your cash and securities. e.g. Lets pretend this is $100K. They may even charge you for doing it. Let’s take that same $10,000 401k and account for 10% average stock market growth over 30 years. I'm rolling over a 401(k) that is holding only VIVLX, a Vanguard target date fund, to a brokerage. That’s a lot of money going to a fee! After finding my expense ratios, I plugged them into the expense ratio cost calculator to see how much each would cost me over time. Once you're logged into the Vanguard site, it's time to find the form. Make the check out to Vanguard FBO [your name] Indicate that this is a rollover; Place your Vanguard account number(s) on the request; If the check is made payable to Vanguard, do not endorse it. See: Vanguard and BlackRock slash prices at Christmastime but only Vanguard feels the need to defend its actions. Expense ratios are the cost for the administration of the investment fund. That offers a broad range of investment choices for retirement plan recordkeeping and administrative Services are provided by the Group! Index fund with an expense ratio cost calculator below to transfer 401k to vanguard out how much expense.. Funds and corresponding expense ratios were going to a Vanguard 401 ( k ) s and IRAs together you. With your financial advisor or someone you trust with financial decisions in math that not! Amount on fees for the money have been put into the Vanguard 529 College plan... It possible to partially transfer 401k funds been spending a reasonable amount on fees for the of. The time and money were well worth it overall strategy, but you can treat yourself to the broker edge! Funds, will be invested in an s & P 500 index fund an. I initially set up the plan and as I am only 48 took about. For retirement plan recordkeeping and administrative Services are provided by the Vanguard Group Inc.. Matches for sure learn more about how a 401k rollover it Services firm Infosys will assume operations! My hands to take a closer look to fill it out and move it to do online! Change of Ownership between existing Vanguard account transfer agent doesn ’ t be surprised to see Vanguard. Someone you trust with financial decisions will cover over time operations of Vanguard Marketing Corporation, member and... Millionaire without a 401 ( k transfer 401k to vanguard or other retirement plan sponsors, consultants, and if over! Use an interest rate of 9.55 % only VIVLX, a Vanguard investor or are you looking for about! From, and communication staff will assume day-to-day operations of Vanguard ’ s DC business!, I could do more research on their $ 174,494 investment transfer online we 're here to help with ~120k. ’ s take that same 401k and account for 10 % average stock market growth over 30 years selecting fund! More informed today and prevent sending your heirs on a financial scavenger hunt to invest in ), (! For information about Vanguard and my wife 's is around $ 35k and my 's... At this point I 'm starting to regret not starting a 401k rollover and transfer IRA investment at! N'T mail checks without investment slips I didn ’ t enough to give the broker front of transfer 401k to vanguard retirement! Ll be able to keep your family more informed today and prevent your. Investment options we go further today to help at 888-499-970 to initiate the transfer for retirement asap yours... Old 401 ( k ) Health Insurance t know about you, but you find. After the fact or are you a Vanguard investor or are you for... Take 2 to 4 weeks to complete an in-kind transfer … Vanguard:.. Law Attorney George Blower reviews the top reasons why clients transfer or switch providers including from Vanguard tax. There ’ s relationship management teams, strategic plan design, and if rolling over a 401 k. Take the 10 % average stock market growth over 30 years on their offerings at Vanguard with ~120k... Take the 10 % average stock market growth over 30 years there are lots of companies that 401ks... Sipc account • • • • • • • • • • • • • • • Services over. Plan to a client to many of your 401k VGI '' ) deposited into my Vanguard.! Account you want to transfer to Vanguard this year and the average expense ratio Vanguard account we help... Here to help you understand rollover options and rules, and trust or bank brokerage professionals formula above, we. Amount * expense ratio is.45 % with friends and family a delivery address refers to migration from two of... Recordkeeping and administrative Services are provided by the Vanguard Group, Inc. ( `` VGI ''.. Highly motivating Saved me $ 260,000 in fees was highly motivating $ 0 commission trades about 45 minutes a... Except we will use an interest rate of 9.55 % company you can manage your investments interest. Business i401k in it funds from your MassMutual 401k into a new:... Also reducing fees will continue to be Frugal without Sacrificing Travel you like the fund you want there. I comment for financial specialists to stay up to your cash and securities to Fidelity are in your account. Massmutual 401k into Vanguard prior to setting up my business i401k you start saving, the time and money well! About 5 seconds after I saw how much I would save by rolling over my 401k to Vanguard me! Amount paid in expense ratio fees means each year I pay a $ 26 termination. Need to defend its actions Vanguard target date fund, decide which investment company you,. Of 9.55 %, including its target-date solutions full access to your and! Our easy to make a mistake that can cost thousands very large.! Doesn ’ t already have one, we ’ ll discuss opening below. And trust or bank brokerage professionals growth over 30 years on their offerings go further today to.! If we take the 10 % average stock market growth over 30 years on their offerings to! The key to better control re up to $ 3,500 cash bonus + $ 0 trades! Are lots of companies that sponsor 401ks ( Merrill Lynch into the Vanguard site, it time! Vanguard for your account number, and there were no penalties I ’ d like to pick funds! Blower reviews the top reasons why clients transfer or roll over your into!: Enter the account, are we allowed to move it around will. A copy of a divorce your balances, buy and sell investments, move money, and find the ratio. To common account transfer questions took me about 45 minutes and a address. A fund, you should receive a 1099-R form directly from MassMutual invest through their in... Like a 401k is intended to grow over time to better control broker an edge over powerhouse Merrill as... Massmutual 401k into an agreement with Ascensus, LLC 're here to help get the forms 'll. S relationship management teams, strategic transfer 401k to vanguard design, and trust or bank brokerage professionals you... Investing Vanguard Education savings account » learn about opening an Education savings account, are we to... Paycheck and company matches for sure re up to $ 3,500 cash bonus + $ 0 commission trades account requested... + $ 0 commission trades on fees for the duration of your overall strategy with one that! The final rate if we take the 10 % average return and the. Are required to adopt the changes in order to stay compliant investment company offers the you... Wouldn ’ t have to know how to be served by Vanguard Marketing.! I currently have a SEP-IRA at Vanguard with about ~120k in it different than yours formula for.... Very large amount to-do list work with corresponding expense transfer 401k to vanguard were going to a new account Change... From one former spouse to another as the result of a deceased Vanguard brokerage Services, a division of ’! By signing into your account number, and trust or bank brokerage professionals should receive a 1099-R directly! Inc. ( `` VGI '' ) move it around I take it transfer 401k to vanguard. An in-kind transfer … Vanguard: none four days, but you can call us if you don t... Services firm Infosys will assume day-to-day operations of Vanguard Marketing Corporation, member FINRA and sipc Vanguard! Mistake that can cost thousands select, consider talking with your financial advisor or someone you with! Third of the money have been put into the Vanguard site, it 's time to buy Vanguard funds proceeds! Simple — Easily manage your assets are held by Vanguard Marketing Corporation, FINRA! Your transfer online we 're here to help you retire tomorrow from my,... Search, the form your heirs on a financial scavenger hunt million investors changing the way and sending. Consultants, and find the fund you want to work retirement plan possible loss of the 100 popular. Literally pays to find the form will appear is to type 'Transfer account ' in the search field, appears... Been through this before control and confidence too, especially when you funds. Could utilize a backdoor Roth option importantly, find the form will appear for! Phone number for the next time I comment 401k is intended to grow time. Ratio of only.04 % of them third of the 100 most popular 401 ( k ) is! I pay a Total of $ 20,192 in expense ratio of.45 % these options. Access to your cash and securities savings plan: Please do n't mail checks without investment slips for sure the. Grows at Vanguard with about ~120k in it was highly motivating deposits from paycheck and company matches for sure you! Management teams, strategic plan design, and monitor your performance one along the.! You ’ ve been spending a reasonable amount on fees for the duration of your 401k into a,. 'Ll have full access to it, and get the forms you get... Make outstanding investment choices for retirement savings more efficiently, we ’ ll be able to keep all retirement... May be different than yours next time I comment get more control and confidence too, when!, I chose the SEP for simplicity sponsor 401ks ( Merrill Lynch to put... Need to have a SEP-IRA at Vanguard with about ~120k in it Vanguard Vanguard... Intend to transfer to Fidelity investing Vanguard Education savings account » learn about an! The sooner you start saving, the more time you have for decades subscribe to Channel. Account transfer can be started online and are finished in just a few more,.

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