A year ago I moved all of my new retirement contributions to Vanguard because their expense ratios were a little better (.08 vs .10). I have a high 6 digit amount with TIAA still sitting there. Should I roll it over to save money on the fees or should I keep the money in TIAA in case I want to buy an annuity in the future? Anyone else here made that decision who wants to share their thought process with me?