The posts on potentially tax free transfers are totally fair, though I again want to stress they are limited depending on what the type of account is and what assets you are invested in. However my main concern by far for financial cost is the investment fee and thus net return for comparable funds at competitors. Even a few basis points in extra fees over 30 years could be tens or hundreds of thousands of dollars. Just 30 bps extra in fees on an average sized IRA (lets say thats $100k for easy round numbers) compounded for 30 years is just shy of $150k. This is a WAY bigger cost than a potential few thousand $ tax hit today.