It is actually much more complicated than you think. Unless your 401k is a Roth 401k, you canu2019t just transfer your account to a Vangaurd Roth IRA. Regular 401k are made up of pretax contributions. Roth accounts are post tax contributions. You canu2019t mix the two. There is a way, for some people, but there are significant tax and penalty issues that involve age, income, etc. If I were you, I would consult a fee-only financial planner. They can tell you how to do it and if you should do it.Usually, you would transfer a 401k to a non Roth IRA. There should be no charges for that. Open up a Vangaurd IRA, contact Schwab and have them send it directly to your Vanguard account. Make sure it is direct. Donu2019t take possession of the funds. This is an easy, safe process and you shouldnu2019t need a financial planner. Again, if you want to do this the way you have described, please contact a fee-only financial planner. They will probably try and dissuade you, but they will lay things out very clearly.sb