Thanks to you both. I'll explore all of these options. I have time as I maxed my Roth in 2016, but will not be able to in 2017. I had health expenses in 2016 that I paid out-of-pocket that I have not had reimbursed yet. Both my pre-tax accounts through work will hit the contribution limit this year. I was just thinking that if I move this money to my Roth now as 2017 contributions, I could access it more easily post-retirement (projected 2021, in my early 50s) and it would grow a bit faster (with a lower expense ratio and a better fund). Long-term I'm on a good path, so now I'm thinking about how to cover age 51-60 as painlessly as possible.