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<<My question is how do I get my money out of my current IRA account and into an account I can
self-manage? My concerns are avoiding penalties for early withdrawal. >>

Go to the discount broker board at TMF and start searching. Each broker has its strengths & weaknesses, but you should be able to find one that suits your needs. Open an IRA account with that broker and also fill out the account transfer paperwork (which they'll provide) which authorizes them to get your current custodian to send the funds to the new custodian. Generally, this entails selling mutual fund shares, but that doesn't sound like it'll be a problem since you sound like you're losing your enthusiam for mutuals (good for you!). As long as you do a custodian-to-custodian transfer & never touch the money yourself, there are no tax/penalty issues.

<<Do discount brokers offer IRA accounts that individuals can transfer into and then self-manage?>>

Yessiree Bob! Again, the TMF discount broker board is a good place to start looking. Some other links: http://www.gomezadvisors.com/ http://www.sonic.net/donaldj/

Good luck,
Chris
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