On a related note, the one Roth I have is with Scottrade. Was thinking of moving it to Vanguard due to expenses, but also would like the flexibility of trading ETFs and individual stocks....

Wouldn't Scottrade be better for that than an index fund house like Vanguard?

Depends on what you mean by 'better', what your account balance is and how much you plan to trade ETFs and stocks.

Between Joel and I, we currently have brokerage accounts at each, and neither of us has had any issues with executing trades or researching investments, so I don't know that either one is 'better' than the other from those perspectives. That would mean it would probably come down to fees on the type and number of trades you want to make:

Here is the Vanguard schedule of fees: https://personal.vanguard.com/us/whatweoffer/stocksbondscds/... Commission-free Vanguard ETF trades; Stock trades $7 for most - could be $2 or free if you have a large account; could be $20 if you have a small account and make more than 25 trades; there is also an annual $20 fee, which can be waived several ways.

Here is the Scottrade schedule of fees: http://www.scottrade.com/online_trading_commissions/index.as... $7 trades for both ETFs and stocks; no annual account fee

AJ