Is the existing 403b money in Vanguard remaining with Vanguard (i.e. you're not "forced" by your employer's plan to move it to the new custodian)? Check with your HR folks to see if that portion can be rolled into a Vanguard IRA.
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)