<prompt> Human: 53M, annual salary of 93,500 with a 10 bonus potential putting 18kyear into my current 401k. I have been putting money away for retirement in 401k accounts for the past 20 years but embarrassingly have not really paid attention to it. I have now decided to change that and am or was in the process of consolidating everything.I have around 150k in my current account with TransAmerica. I have about 120k with Wells Fargo in one old account, around 120K in another account with Harbor Capital, and I had 100k in another account with Fidelity that I just closed and is in a check on its way to me to be rolled into my TransAmerica 401k. The plan was to roll all of the old accounts into my current account, but after spending the last couple of hours reading the wiki here I am drowning in options and not sure what to do. Any advice?EDIT: Thank you all for the very informative discussion. I am now looking at Fidelity, Vanguard and Schwab as a landing spot for my money. I plan to spend the next few days studying the best option for the check that is inbound, and leaving the other accounts where they are until I am a bit more certain.Assistant: Roll all of them into an IRA at Vanguard. Invest in a target date fund. Done!Edit: meant to type IRA, not 401kHuman: Is it really that easy?  <response>: Yes. Theres a whole industry built around making this more complicated that it really needs to be. The dirty secret is that the more complicated you make things the more likely it is you are going to underperform. 