Greetings BT and RMI: BT, do you utilize automatic re-investment of your dividends or do you collect them and re-invest in whatever? I've finally decided to do a total withdrawal from TSP via "gentle" monthly rollovers to a traditional and then "gentle" conversions to a Roth IRA. This must be completed within 120 months (IRS rule to be eligible). My dilemma was deciding with which firm to open the accounts as I am interested in commission-free ETF's, reasonable trading fees and low expense ratios. I currently have a Roth with TD Ameritrade but I am hampered by the $19.99 fee they charge for your buying the commission-free ETF's and selling within 30 days. I finally decided to open the accounts with Vanguard but was a bit disappointed to learn that by doing monthly rollovers I would have to complete paperwork for each conversion (can't see doing that monthly but probably periodically). I imagine that's the process no matter with whom you have your accounts. My reason for doing it this way is to manage taxes and to get as much as possible into a Roth for generational purposes and by doing monthly rollovers I can still participate in the familiar TSP for several more years. The only drawback with Vanguard is that there will be no face-to-face, considering that all the other firms have offices within 15 miles of my home. I finally completed the Vanguard paperwork today but have not mailed it yet. Any advice? What do you think of this plan? Thanks.
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