Rollover a retirement account from a previous employer.

 

Yesterday, I was talking to a teacher who has some money, from an old job, invested at a bank. If you have retirement investments from an old job, there's a good chance that you are paying HIGH fees. If you leave the money there, it may grow slowly or not at all. Consider doing a qualified rollover to Vanguard. You shouldn't have to pay any penalties or taxes. Just call both institutions and double check. If it is a 403b variable annuity, you may have to pay an early surrender penalty but it is usually worth getting it out of the high fee account. Let us know if you have any questions! It's quite easy to do and you'll likely come out way ahead.

More information here: https://www.investopedia.com/terms/i/ira-rollover.asp