" still am considering what to do with the 401K from my prioremployer.I rolled mine over into an IRA with Vanguard. All index funds.The 401K management fees were too high, but as long as my employer would match, and as long as the 401K additions were tax-delayed, why not?.Count Upp "^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^this is one of the things I am considering - but DW does notfeel comfortable with that approach. She wants to have someone totalk to about the funds and income and she does not seem at ease without a regular contact. So we are looking at a fee-paidadviser. DW has to be able to handle the approach should I passaway first. I could set up a trust with one of our boys as atrustee - but somehow I hate to put that much pressure on thekids - or tie them down that much.Howie52
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