Rollover IRA enticements
OK, I was probably going to roll it over to Vanguard, where I already have Roth IRA (and possibly tIRA, if I make a contribution this year before I FIRE).
But some institutions dangle carrots, like $2500 to rollover to TD Ameritrade.
They probably don't have the same low-cost fund options, esp. Admiral shares that VG has.
So over a period of time, or maybe in one year, that $2500 you end up paying back in higher expenses. But Ameritrade must get kickbacks, though they don't know which fund you're going to choose.
Maybe maintenance fees of some kind?