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Thank you! This was all great advice. Once I rollover my account to another custodian, should I sell and buy new index funds gradually? Are there increments and amounts that would be better? I plan to keep it simple and switch to 70% stock / 30% bond index funds that I can essentially leave alone till I retire.

My dad started me on a Roth IRA with Dodge & Cox, and I've been contributing to it for over 15 years now. Recently, I've begun doing more research on investing with low cost index funds. I currently have Roth IRA investments in DODGX/stock, DODFX/international, DODBX/balanced, and DODIX/income funds. They have all been good investments, but the expense ratios are .51%, .62%, .51%, and .41%. Based on what I've read, having low expense ratios and turn-over, should I / can I switch to a new investment company for my Roth IRA?