Although I have read through previous postings I am still confused. I have an annuity from a previous job that I left 11 years ago. I have not added anything to it since leaving but continue to pay management fees on it. It is not much money (around $5000) and I would like to move it to either an existing Roth IRA or to a new self-directed Roth IRA. Can I do this at age 46? And if so will I encounter surrender fees and/or other penalties(because I am withdrawing before age 59 1/2)? If this has been answered previously please refer me. Thanks.
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