<prompt> Human: Hi PF!I visit this subreddit regularly and appreciate the advice that is given by members of this community. I recently changed jobs and have 14,500 dollars in my old employers 401k. My mom uses a financial adviser so I have also had him give me advice since graduating last year. I like to do my own research on his suggestions, especially since he tried to sell me on the whole life insurance thing right after I graduated. One of the options he suggested was an annuity, which is a product I am totally unfamiliar with. Which is why I am seeking PFs help to discern the best option for my situation. These are the options he has suggested copy-pasted straight from an e-mail: 1. Leave it where it isa. Pros i. No hassleb. Cons i. Limited controlinvestment options ii. Higher internal admin fees2. Roll to your own IRA on a Brokerage platforma. Pros i. Control over investments ii. Control over potential Roth conversions iii. Lower internal expensesb. Cons i. Up front acquisition charges, typically 5.75 for this amount of assets ii. Limited to a single fund family one brand of investments3. Roll to your own IRA within the Annuity platforma. Pros i. Control over investments ii. Control over potential Roth conversions iii. Lock-in a placeholder for future distribution planning options to utilize as a pension at retirement based on todays life expectancy vs future life expectancy iv. Ability to utilize multiple fund families with no acquisition chargesb. Cons i. Will incur a surrender charge if money is taken out within the first 8 years this should not be an issue ii. Added ME charge for pension opportunityWe also discussed rolling it over to my current 401k but that didnt make it in the e-mail. Im feeling like he is really trying to sell this annuity. Old 401k fees: 0.15 New 401k fees: 0.05My current gross income is around 105,000, for contribution eligibility purposes. My old job I made 125,000 gross which is why I hadnt done much with the Roth option before. Thanks for any help you can give!Assistant: If your new 401k has 0.05 fees for funds youre happy with then roll it over there and be done with it.You were right, this advisor is just an annuity and insurance salesman trying to make your other options look worse than they really are. Especially the whole Up front acquisition charges, typically 5.75 for this amount of assets part. You dont pay upfront fees with any decent IRA provider Fidelity, Vanguard, Schwab.Depending slightly on 401k providers, rolling it over to your new 401k should be pretty simple.Human: Yah was kind of afraid of that. Ill spend some time researching IRA stuff this week but if its an easy process to rollover to John Hancock that is probably what Ill end up doing just for the sake of simplicity. Thanks for your opinion!  <response>: Please dont rollover to John Hancock. VanguardFidelitySchwab funds are most frequently recommended here and for good reason. 