Yes, your broker is fishing to collect another round of commissions (or loads) on the funds he has already invested for you.First, you need to find out if you have mutual funds or variable annuities in your Roth. If annuities you can also be on tap for hefty surrender charges if you move your funds before that provision expires.If you have mutual funds, consider transfering the Roth to a mutual fund company like Vanguard or Fidelity. Then pick from their no load mutual funds.You can check out the funds you are offered on Morningstar.com. S&P 500 Index funds (like VFINX ticker) or total market funds (or VTI) are good reference points. Look at loads, expense ratios, and especially performance numbers. VFINX is very low expense ratio. Make sure you get better performance if you choose any more costly fund.If your Roth is an annuity, you can use a 1035 transfer to move it tax free. Again check out the low cost annuities from Vanguard and Fidelity.
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