<prompt> Human: With the current political climate Im starting to consider more where exactly my retirement is being stored and what it may be contributing to. I have two IRAs through Merrill Lynch and am wondering if theres any other option for growing retirement other than through big banks. We do our regular banking through a local credit union but my understanding is that the return for credit union retirement accounts is really low. Any insight into this? Thanks!  <response>: Im unclear on the goal. What are you hoping to achieve by moving your money?Are you trying to make a principled stand against banking industry practices or are you concerned about political risks of regulation, expropriation, catastrophe, etc.? 