[NOVA]

Thanks Guy's, I did speak with a F.A (fee only) and this is what he thought made the most sense (specially from a tax standpoint) moving it into my new 401K for now, its Vanguard based, I have about 25 funds to pick from - the nice thing is I can move it any time if I want to into a traditional IRA at Schwab if I change my mind or plan, I can move some or all.

My goal is to retire early and if I choose to leave it in my new 401k until I am 59 1/2 it made the most sense from a tax standpoint he asked the questions I told him my goal, he said knowing the flexibility (which he had me call my new 401K / Vanguard to get some clarifications) with my new plan, if I did want to move it to Schwab, still can, no problem or penalites as long as I move it directly to a IRA @ Schwab, if I change my goal or plan I can move it, I know there isnt as much flexibility but when I explained to him what I wanted to do or at least shoot for (59 1/2) this was what makes the most sense, I can always move a portion too.

As stated earlier it does boil down to a tax deal, no way around paying any tax, it will happen regardless, but in my case,if I choose to leave it in there,ride it out until I am 59 1/2 the tax situation is the best case scenerio.

Both F.A and accountant both recommend I do not convert it to a ROTH in my case, again this is based on my situation, I am sure there are some that will see it differently but your situation may be slightly different which changes everything.

I am going to think it all over the long weekend, this is my first time moving a 401k and you are right it takes figuring out.

Oh btw my 401k is a traditional 401k and would be rolling it into another traditional 401k.

Thanks for the feedback.