So when I was just out of college I opened a Roth IRA through my bank USAA. It made it easy to transfer money into it online. I bought a Vanguard Target Date 2045. USAA decided to get out of that market and transferred everything over to Charles Schwab. I got annoyed and opened a new Roth IRA directly with Vanguard and pretty much forgot about the first one. I have only been contributing to the new account since. I got a statement in the mail and it turns out compound interest works and I find I have about $76k in this orphan Charles Schwab account. I’d like to move that money over to my Vanguard Roth without paying any penalties. Anyone have any idea how I should go about it?