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You don't have to roll it over to Vanguard. The broker managing the 401k may have a nice program for you, especially if it has a sizeable balance. You could also look at Scottrade or some broker that does not have an interest in selling you their particular family of funds.

Regardless, a Rollover to a Traditional IRA should not carry any transfer fees. You have to decide on investment options for the money, since you have to roll over the funds in cash. Except in the case of rolling over into a TIRA with the same broker as manages your 401k. When I did this with the FEWMNBN™ 401k and Fidelity, I was able to preserve my positions in 3 mutual funds that were closed to new investors. Had I rolled over to my Scottrade accounts, I would have lost opportunity to maintain those positions.

Who notes that the taxes would continue to be deferred until retirement distributions are taken in accordance with TIRA rules...
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