Since I was a child, I thought retirement was about not working. As I’ve aged, my perspective on retirement has changed. For me it’s about getting to a spot where you have options in what to do with your time.
A few years ago I rolled over a small 401k balance from a previous employer to Betterment (robo-adivsor). It was a good move at the the time, and I still have a high view of Betterment as a solid robo-advisor. I decided to transfer the traditional ira to Vanguard.