<prompt> Human: I have about 10k in my Wealthfront Roth IRA account and I want to cash it out and open up a Vanguard account and do a DIY 3 fund portfolio. Is there anything special I need to know or do? Just sell everything, transfer the funds to my bank account, transfer to my new Vanguard account and buy what I want? I heard if you do it within a 90 day window or something like that then there wont be any tax issues or anything.  <response>: Call Vanguard and open the account there first. Tell them what you want to do. They will help you do it correctly so there are no penalties on an unqualified distribution of your earnings and can get the full 10K back in there without it counting towards your 2018 cap. 