Based on your previous advice - I am still in the midst of my "retirement studies" having read Bob Clyatt's book "Work Less, Live More" (found it to be enlightening and encouraging)...am currently in the midst of "Mutual Funds for Dummies"  ....and have "The Four Pillars of Investing" awaiting my attention once I feel like I have a decent grasp on the terminology.....which at this point seems like it could be a while.... 
Based on the board's astute recommendation of Vanguard, I have opened a money market account with the anticipation that I will move other funds as soon as my light bulb goes on off and I can UNDERSTAND what I'm doing.....
I currently have a considerable amount invested in individual stocks and was wondering if I can transfer them directly or if I will need to sell them prior to transferring?.....if I CAN transfer them to Vanguard, should I save $$$ letting them sell them??
Recommendations? Experiences?
Thank you for your insights!
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