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You say, Man, I am confused. I basically have three different retirement accounts: A Roth IRA, which I am in the process of moving from AXP to Vanguard 500 Index.

Are you moving your account to Vanguard, or just buying the Vanguard index fund in your American Express Roth IRA account? I would think setting up an account with Vanguard would be your better approach.

Then I have a Traditional IRA that is with American Express as well (AXP PARTNERS SELECT VALUE FUND B)

I would imagine you will take a hit getting out of this "B" fund, unless you've been in it for 5 years or so. Even so, in the long run, I would bet this money would be better off in an S&P 500 index fund as well.

and I have an Annuity with about $11800 in it, but a liquid value of $10900.

Is this in an IRA account, or did you have some money laying around and buy this thing with after tax money?

I know I should fund the Roth first, but then do I contribute to the traditional IRA or the Annuity?

I would think the traditional IRA would come before the annuity.

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