To answer your questions : As others noted, there should be no cost to transfer, unless there's some obscure clause in your IRA agreement...I doubt USAA would do that, though...just be sure to do a trustee-to-trustee direct rollover...let them handle it...DON'T touch the money yourself !
The Companies should walk you through the process...lot's of paperwork, but "doable" !
I AM curious to know...you currently have a USAA Roth IRA...I know nothing about Roth IRA's, but I rolled most of my TSP over into a self-directed Traditional IRA with USAA. Are you limited to what you can do with your money in your USAA Roth ? Besides the current better return, what advantages do you see with Vanguard ? In my IRA, I can buy all kinds of stocks and funds...yes, I can buy the USAA mutual funds at no transaction cost, but I can buy Vanguard funds, T Rowe Price, PIMCO, etc etc. In the Big Picture, I feel the transaction costs are chump change, unless you're a short term trader... Right now, I'm holding Vanguard VXF, T Rowe Price PRULX, PIMCO PONDX and PCKDX, and various USAA Funds...
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