Whew -- this is why I spend time answering questions on my blog. Honestly I have no idea why you would pay ANY fees for advice on an IRA! You can roll your IRA to Vanguard or Fidelity and get advice on which funds to choose at NO cost, (assuming an account worth $50,000) AND you will pay the lowest annual fund management fees. (I'm quite sure that if you ask your broker how much you pay in UNDERLYING FUND MANAGEMENT FEES each year, you are paying a small fortune!) At Fidelity or Vanguard or T. Rowe Price, these fees should be less than a quarter of one percent annually! And those large broker annual fees can add up -- or rather subtract down -- out of your retirement account over the long run!Do not be deterred by the fact that you already paid commissions to get into the funds years ago. that should be considered "sunk costs." As noted above, you will not pay any fees to get into new, low-cost funds at these fund companies. AND, they will handle the entire rollover for you so nothing will become taxable. Selling the old funds inside your IRA is not a "taxable event" because they are inside a tax-deferred account. You'd want to get out of them anyway and start fresh, with lower cost funds.I'm glad you wrote because so many people feel "trapped" into high cost retirement advice when it is truly not necessary! At the very least, find a "fee-only" financial advisor who will help with your overall financial plan on a "fiduciary" basis -- putting your interests first. Go to www.feeonly.org. to search for one.