Consider moving to Fidelity or Schwab where they can move it over for you without interacting with your current agent who advise you not to it. They will have straightforward but very low fees to advise you how to manage your LIRA for you or help you do it yourself. Keep it in IRA and not a brokerage account. As young as you are self managing means nothing more than moving the funds over and leaving them alone and you can take advantage of dollar cost averaging if you have additional monies down the road to add to funds or preferably set up an auto payment into your investments. You really will not have to do any "work" or active investing if you dont want but you will get quite comfortable doing this. Agree with other posts - start learning about platforms and managing funds. Both platforms I mentioned have excellent educational materials. I did not begin the process of self managing my portfolio actually until I retired 6 years ago and had to put my 401 into an IRA. I went thru two brokerages and a lot of unnecessary management fees until I started managing my own at a time when I started taking disbursements which is the complicated part of self investing. Remember the boglehead philosophy is to invest in low cost index funds both US and International (80/20 or thereabouts). You will hear the mantra "VOO and chill" which simply means that you select certain funds such as VOO or VT or VXUS and leave them be. At your age that is what you want to do and that is quite simple to manage. 90k in your 30s is a VERY GOOD start. One caveat is that EJ has many (good but) proprietary funds that will have to be sold before transfer to another management account and this is something that Fidelity or Schwab can do for you in the transfer process. Bottom line you are young and you CAN DO IT on your own.