<prompt> Human: My wifes parents opened a Roth IRA for her when she graduated college. They opened the account through a friend who worked for American Funds. He is no longer with the company so our desire to remain loyal is gone. We are at a point where we can make a more significant contribution to the account. After seeing the load and annual fee, I believe it is a bit of a raw deal. I am looking for some advice as to whether we should: A. - Move the balance to a provider with lowerno fees B. - Leave whats in there and open a new Roth with a new provider Heres what the account looks like today: Opened - 182015 Shares - 83.563 Total Balance - 4332.74 Sales Charge - 5.74 Annual Charge - 10 Monthly Contribution - 50 Annual Parental Gift Contribution - 500Not a great deal of money, but am looking for some advice before we begin making more significant investments. Assistant: Move it. All the big boys have not annual charge and plenty of NTF fundsHuman: Move the entirety of the balance?  <response>: yes, contact a no-load mutual fund company like Vanguard, Schwab, or Fidelity to start the process...she will be ahead day one due to the front load alone. 