I am currently an educator and have decided to live overseas when I retire early in 5 years.
I am currently with Vanguard with a tIRA, Roth IRA and 403b Roth account.
I discovered that Vanguard will close the account from further investment if living overseas.
I learned that Charles Schwab has an International version that is friendly to Expats living overseas and there seems to be benefits of being penalty-free when it comes to fees of withdrawals/debit transactions when done overseas.
So it would make sense to move my investments over to Schwab. It appears that while my 403B has a large variety of Brokerages available, C. Schwab is not one of them.
So, my question is, is it better to do transfer my funds NOW or wait until I retire here in the States and then move it over to Schwab if there's no difference?
If there are fees to move this over, are the fees bigger if your portfolio is $bigger$?
I hope this makes sense.
Thanks in advance.