I know this has already been discussed on a number of posts. I would like to post our specific situation in case I'm overlooking something, and would appreciate any comments/advice.
We're going to move all of our investments from EJ to Vanguard.
We don't have the $50K needed at Vanguard to benefit from their lower fees at this time, but I expect we will before too long.
At EJ we have IRAs, Roths and Money Market Funds.
We can transfer the IRA/Roths "in kind"
For the other investments/Money Market Fund.
There are some that cannot be transferred, we'll sell those.
At the same time, we'll assess to see if there's something that we're holding that is an obvious loss, and if it would be better to sell now as a way to counter any gains.
Transfer everything else "in kind" with the idea of liquidating over time, but hold as it as for the moment.
Also I think that we will have access to funds that would allow us to increase our 401K contributions to equal the annual maximum, and for a short time live off our own funds. Again with the idea of reducing IRS taxes owed come April. These funds are over and above, coming from inheritance, so not using any of the funds being discussed here.