<prompt> Human: I was recently given an investment account with about 60k from a family member. Its currently actively managed with an account manager at RW Baird. Im trying to sort out what to do with it.My other accounts include:Roth IRA: 5500 started last year, maxed outwifes Roth IRA: 5500 same503b: 1000Im thinking Id like to transfer some of the funds from the investment account to fully fund our IRAs this year Im using the Vanguard lazy portfolio for them. In general, I dont know that I like having that much money in a non-tax advantaged account and in actively managed funds.My emergency fund is low about a months expenses, so should I liquidate some of it for that purpose?And what are the tax implications of selling some of the funds to transfer to IRAs, etc.? Im totally new to investing, and this is part of the reason Im asking here instead of going by the I have X...what do I do with it? post. Thanks!  <response>: Man fuck those guys. I had my Roth IRA at Baird. One day they decided it wasnt enough money to keep out in the field so they sent it to the home office. Then the home office supposedly tried to call me. No records of their call on my phone or any voicemails received. Then they sent me a letter saying they couldnt reach me and my account would be terminated. I called my original broker because I had no clue that anything had happened and his assistant said it was all fine and that they had record of my contact.Went on vacation and came back to a check in the mail for my liquidated Roth IRA minus tax withholdings and a fee.Took some time and a lawyer threat to get them to reverse the tax withholdings and fees and to get it shipped over to Vanguard. Still pisses me off to this day. 