I was laid off from my job and was informed that my 401k funds were going to remain in my Merrill Lynch retirement account until which time I could remove them, roll them over, or transfer them to another account. I do not know if Bank of America purchasing Merrill made a difference but somehow although I requested in writing to close the accout and cash out the account, half of the funds were rolled over into an IRRA. Fine. Until t he fees started kicking in. Hmm. I'm paying them for what? To hold my money? I can take the cash and put it... read full review »