 going forward and likely not only no cost to you, but you might actually gain with a bonus in the process of moving it over. If you want more information on this, contact me at yourpersonalbank.com. If you've looked at or have annuities and want to reduce the market risk, an annuity can be a great option too because, again, I have products that are paying 8% guaranteed on the fixed side. It's like a one-year CD.