And for the rest of you reading out there, I have my own financial question to ask. Where do you keep your IRAs? I'm not asking what mix they're invested in, but under what umbrella? I'd like to be invested in a mix of stocks, bonds, other investments, and I'd like to keep my fees as low as possible. Does this automatically mean I need to go with one of the big brokerage houses like Vanguard? I know I could do stocks myself through Ameritrade but what about bonds or mutual funds? I'm thinking about the best place to initially park my 401k proceeds from the divorce. I'll get independent advice on asset allocation so I don't really want to pay a lot of fees for useless advice I won't use.