<prompt> Human: This is in addition to my 40 annual fee.Should I take my money elsewhere? She said it was a new law and different agencies are interpreting it differently? My bullshit alarm is going off.Assistant: Good that your alarm is going off, because theyre a waste of money. Transfer it to Vanguard and do a 3 fund portfolio, or just a target year fund for something simple and good.Human: If I wanted to transfer it to Vanguard how do I do it and what kinds of pitfalls are there? Do I just tell EJ to cut me a check and then sign up with Vanguard online? Will the IRA be the same more or less? I want to make sure Im comparing apples to apples.  <response>: Do a direct transfer to Vanguard if EJ will allow it. If not and they just send you a check, you can just mail the check to Vanguard within 60 days and youll be fine. If you do that, dont endorse the check.Yeah, it will be the same except youll have better investment options and almost no fees. 