I lean toward letting it build up to avoid what I'm afraid would be huge commissions at Lynch. I would be afraid of the same. Perhaps you need to find out what the commission schedule is and see what the cheapest way you have to save the money. Unfortunately, since your SEP is at a full-service brokerage, they'll probably get you going & coming.I realize that you will be a new employee, at some time in the future, see about asking your employer to move the SEP to a less expensive sponsor.Zev
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