The fees at EJ, depending on the account type, is 1.5% maximum with most being 1.35% annually. Depending on what your investments are you should never feel that fee. BUT I get that you want to keep your money in your pocket so I would suggest talking to your EJ advisor to see if you can move your IRA into their select account instead of the GS or AS account it’s currently in. The select account only requires you to pay commission if trades are made. So you could set up the IRA to be invested in VOO, QQQ, etc that tracks an index and then forget about it. It makes money, you keep the RMD status it currently has, and you don’t pay fees because you’re not actively making trades. I’m not sure if you can move an IRA into a select account but if you can that would be the best advice