<prompt> Human: It seems like Vanguard is highly recommended and Im unsure whether not being employed by my old company would create additional fees in the Schwab account.Are there any benefits to having both accounts such as additional diversification? Or should I rollover? If I rollover, does it deduct from my 2018 max contribution?  <response>: You should consolidate. Old employer accounts usually have some kind of fee attached if you are not longer actively employed there. Plus you will have a bigger wealth of fund options in a non-employer account.Rollovers do not count towards your max contribution 