<prompt> Human: My wife resigned from her position with a school district. She has 24K in the Public Education Employee Retirement System of Missouri What canshould I do with this?Assistant: You can roll it over into your individual IRA.Human: She can roll it over to her individual IRA.Assistant: She doesnt have an IRA and I know nothing about it. Where do we start?Human: This page confirms that a 401a account which is what PEERS is can be rolled over into an IRA.Your wife should talk to a provider to open an IRA vanguard, schwab, fidelity etc.. That provider can initiate the direct rollover sometimes called trustee-to-trustee to move the money from 401a to IRA. By doing it direct, you avoid getting a check made out to her that shed have a 60-day deadline to roll over.Then she can decide how to invest the money in the IRA. She will now have more options than when it was under the control of PEERS.Also, when she creates the IRA she should be sure to name a beneficiary and alternate beneficiaries in case primary beneficiary dies before inheriting it.Assistant: I really appreciate your input. Is there anything I should know about choosing a provider, or are they all the same?  <response>: I would highly recommend you use Vanguard. They will help you at every step of the rollover process. Even my mom was able to figure it out. They put her on a three way call with the current providers company and took care of everything except the signing of the authorization form. 