Thanks Foolish Prof! I guess it almost seems too good to be true. It sure is nice to "talk" with someone who's even heard of it, let alone has done it! I can't wait to slip out from under those fees. I've only got about 30k at Valic, but I'm going to start "the move" as soon as I call Vanguard to set things up. I sure like the idea of having more control--even if we can't do individual stocks. Thanks a bunch, again! diane
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