<prompt> Human: My in-laws have over a million in their IRA with Northwestern Mutual, invested in two funds averaging 0.6 in fees. I showed how they are able to save hundreds of thousands by transferring to Vanguard and only paying 0.04 in fees, and they are all in. They asked me to call NW to get the transfer started, you wouldnt believe the holes they make me jump through to talk to anyone of consequence once they learn Im trying to transfer out. My elderly in laws will have to do it on their own unfortunately, but I plan to give them hell if they try to make my in laws stay. Anyone with a similar experience?Edit: Some of you missed my comment below which would help clarify. My FIL called and introduced me, then I took over the conversation. The bottom line is they were extremely unhelpful and sheepish in their responses. Clear giveaway as far as Im concerned that we are on the right path.  <response>: Ive always initiated the transfers from Vanguards side and let them deal with the other brokerage. 