No. of Recommendations: 4

The best advice I can offer is for you to go to the boglehead forum, sign up (free), then ask the same question. The folks over there really know their stuff, much more so than here. I'm not saying that the folks here don't have good advice to offer, but the boglehead folks really get into offering specific help. If you don't know, the boglehead forum is frequently by some real experts on investing, mostly from the Vanguard school of thought. Personally, I would suggest that you roll everything over into Vanguard, which offers excellent equity and fixed income mutual funds, with the lowest expense ratios around. I would get away from Merrill Lynch as fast as possible, as they are worthless and care only about getting as much of your money in fees as possible. Sounds like you are in good financial shape, but you certainly could do with some organization and lower fees. Good luck.
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