<prompt> Human: Hello PF! Ive been at a new job for a few weeks now with a small company that does not have any retirement savings plan. They might in the future, but Im not going to wait and delay livin the dream. Im 32 years old and I feel like I can afford a little bit of riskiness right now, but would prefer an option that takes day to day management out of my hands because I know myself enough to know that Im not going to stay on top of something I have to manage regularly. I have two 401ks from two previous employers. One from the job I just left and one from a job I was laid off from in 2009. Combined they probably have about 20k. Im certain that there are better options than just letting them stagnate. What are my options for combining these 401ks into one single account and continuing to contribute to an account?Will the two previous accounts be converted into a Traditional IRA and then will I start a Roth IRA for new contributions? Do I just contribute what I can when I can or do I set up a regular payment rate like I would if I was going through contributions via payroll deduction?What sort of fees should I expect to be hit with for the rollovers? Ive been doing a little bit of emailing with a guy from Fidelity Investments, but we really havent gotten beyond setting up a time to meet. Honestly, I wouldnt mind just being able to do it all myself from the comfort of my desk.  <response>: roll them into a traditional then start a roth also. For your contributions, the best option from the investing perspective is to deposit your 5500 annual limit on the first day of the eligible year. Next best option is to set up regular contributions so that you reach the max in that year. Third best is to make last years full contribution before 415 of the following year. Your new bank wont hit you with a fee if you choose wisely. Your old 401k plan administrators might, but if you choose very wisely your new bank may refund those fees. cough Vanguard link from other poster, Schwab cough. You should be able to do it all online from your desk, recliner, or bed as you prefer. 