Vanguard, "the people's mutual fund firm" has made it astonishingly difficult to roll over IRA funds from another institution into Vanguard. That their standard IRA rollover forms stipulate a "guaranteed signature" at the end (but which isn't really required, as I discovered after I called a Vanguard rep several weeks ago), was just the beginning of the roadblocks. The absolute worst is that, on receipt of my rollover funds, Vanguard co-mingled them with non-IRA funds in an already-existing Vanguard money market... read full review »