<prompt> Human: After reading through PF for awhile now, it is obvious that my financial advisor has our both my wife and mine Roth IRAs in high fee, high load funds. Average ERs are probably around 1.6.I think at this point I want to pull out my money from him and just transfer everything over to a Vanguard TDF. My question is how best to do this? Do I contact Vanguard and allow them to handle the transfers? Thanks for any help. Edit: Thank you to everyone for their advice. Very much appreciated!  <response>: Open an account at Vanguard. Youll fill out paperwork, mail to them and theyll take care of it. This will also limit the slip-up factor that could trigger tax consequences. 