<prompt> Human: I am a first year grad student and I have finally got my finances in order. Ive set up my emergency fund, payed off my debts and I started to put money into a Roth IRA. I put 2500 into a TD Ameritrade account for my 2013 tax contribution and let it stew for months while before deciding on what to invest it in. Finally I pulled the trigger this week and put it into a 2045 Vanguard Target Retirement Fund. However TD Ameritrade charged me 49.99 as a fee. Ugh! After more research I learned that they will apply that fee every time I plan on depositing more money into the fund.I need to cut my loses before they charge me any more exorbitant fees. Is there a way to move my IRA from TD Ameritrade to Vanguard without more account fees? Or should I keep the TD Ameritrade account let it grow and just start another IRA? What should I do?  <response>: If you want to invest in Vanguard funds directly, call Vanguard and have them fill out the paperwork to transfer your assets from TD Ameritrade. There may be a small fee for transferring your money out.Dont beat yourself up over the 50. Its a pretty cheap lesson learned, especially when you look at people who pay into high-expense funds their whole lives, or get sold expensive whole life insurance products. 