Sorry to disappear for a few days right after posting a question. Thanks Bob, that's spot on.

I was thinking of moving the Roth IRAs over to Vanguard, instead of simply buying the Vanguard funds thru Fidelity. And still not sure how long the money would be out of the market, and what the transactional costs would be.

But your right, for less than $20 per year, what is the move worth actually? Probably over the remaining life of my IRA, it would amount to under $1000. Hmmm....

Thanks again,

KM