I found out that my $8,282 was in Rollover IRA, not Traditional IRA. So started a process to transfer it to Vanguard today to see how it goes. Once it is done I am going to move my old employer's 401K [$20,995] to the same Rollover IRA. Then the dilemma starts. What do I do with my Money Market IRA [$2,251]? If I transfer it to this same account it will be jumbled up with the rolled over old 401Ks. Does that mean this account looses its flexibility and becomes like a Traditional IRA? Does it even matter if I am not even planning on reverse rolling that money to another employers 401K in the future? My future plan is to do Roth IRA conversion right after early retirement anyway. So, what is the harm? I think I started to mumble. :-) Any help would be appreciated.