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Jesus Fuskie...

Though the need to manage all of those accounts does appeal to my more obsessive side.

Self-manage is my course of choice and is what spawned all this in the first place. My VTIVX Target Retirement fund automatically adjusts asset allocation as you age, but being an active participant in my own finances, I can do that myself without sacrificing the lower yield that this fund has returned compared to others.

I am self employed now, am on the cusp of the next tax bracket and this disbursement would put me into that next bracket. That being said, I'd like to think that come 62, I'll be in a higher bracket still.

Why the choice of the traditional over the Roth?
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