I have "99%" of IRA $$ with Vanguard. I want to transfer a relatively small IRA I have with Ally to Vanguard, but it seems like Ally is making me jump through hoops while denying the transfer. I guess a workaround would be to just have the $$ sent to me as a distribution, and then redeposit with Vanguard immediately. If I go that route, how do I avoid the taxes? Ally would report a distribution; how would my contribution to Vanguard get recorded so no taxes would be due? Is this a simple, painless, transaction via Turbo Tax?