[张扬]

If you care about taking advantage of the rule of 55 or backdoor Roth IRA contributions, then you probably want to avoid IRA rollovers.

Look up the pro rata rule.

[Lori]

I rolled mine over to an IRA instead of into my new job’s plan and now I’m glad I did.

I may end up using the old one before 59.5 with Rule 72t. It’s a little complicated but a good way to access retirement funds without penalty before 59.5.

[Scott]

It really doesn’t matter too much which custodian you use as any of the big 3 houses – vanguard/Schwab/Fidelity – will let you buy almost every ETF on the planet.

There are some pros/cons to all 3 I think and many posts in the group.

The tl:dr version seems that the consensus is Fidelity then buy low cost Vanguard ETF there because of better service (especially vs Vanguard) and easier cash management (vs Schwab).

[Jule]

It’s simple. Either do rollovers to an IRA or roll them to your current employers.

[Author]

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