Full ACAT transfer from TDA costs $75 (though partial is free). Robinhood doesn't seem to have promotions to accept the new account.
It's easy to get free trades at various brokerages. It's harder getting assets out of an account. Even harder for tax-favored accounts (especially hard for HSA accounts); perhaps that's why you restricted your suggestion to taxable assets.

Robinhood will cover any fees charged by your old brokerage.

Full ACAT transfer from TDA costs $75 (though partial is free). Robinhood doesn't seem to have promotions to accept the new account.
It's easy to get free trades at various brokerages. It's harder getting assets out of an account. Even harder for tax-favored accounts (especially hard for HSA accounts); perhaps that's why you restricted your suggestion to taxable assets.

Good stuff @bee. I'm also a big believer in funding HSA's for retirement purposes. No better vehicle in my opinion.

@bee - we've had exchanges on these things before. If these particular strategies work for you, more power to you. They do seem to carry some assumptions that may not apply to some other people, so they're worth pointing out.

I have a few personal strategy for dealing with RMDs. Consider strategically spending down these taxable IRA dollars first rather than raiding taxable accounts, Roth accounts or Health Savings Accounts, especially between the years of 59.5 and 70.5.

I'm guessing you're doing this to keep RMDs manageable, i.e. not growing so large that they kick you into a higher tax bracket.
Say you need $20k/year. You seem to be suggesting that you withdraw approx $23.5K (so that after paying 15% tax, you've got your $20K for expenses). If your taxable account is generating no income (just cap gains when you sell), that works fine for you, since you'd be paying no cap gains tax in that tax bracket.
An alternative for some would be to tap the taxable account for the $20K in expenses, withdraw the same $23.5K from the IRA (pay the same $3.5K taxes on that), and put the rest ($20K) into a Roth as a conversion.
Comparing the two strategies - either way, you get $20K to spend, and you've reduced your traditional IRA by $23.5. The difference is that the first way left you with $20K in the taxable account (you spent the IRA distribution), the second way let you move $20K into a Roth (you spent money from a taxable account).

Fund an H.S.A:
-Between the age of 59.5 and 65 (when you become medicare eligible) distribute a portion of your tax deferred IRA yearly equal to your maximum H.S.A contribution. This will provide a funding source for my H.S.A as well as make these IRA distributions tax free since there tax liability will be offset by the H.S.A contribution (income tax credit) for that same year.

You're get an income reduction for the HSA contribution regardless of what's generating the income. That taxable income could be coming from taxable investments or from IRA distributions, or even from a Roth conversion. What matters is that you've got a fixed size "deduction" (the HSA contribution). So the IRA distribution is tax-free (due to the HSA) only to the extent that you have no other ordinary (taxable) income.
For example, if you contribute $4K to your HSA, and have $1K in taxable income, then only the first $3K of IRA distributions will be tax-free. If you withdraw $4K, then your total taxable income is $5k, and $1k of that is taxable after subtracting off the $4K HSA contribution.

Fund Itemize Medical Expenses:
- Between ages (65 -70.5) track medical expenses that are eligible as an itemized tax deduction. Do not use your H.S.A dollars during this time frame to pay for these medical costs. Instead, pay all of these medical expenses with yearly IRA distributions. Using IRA distributions as the funding source for medical related expenses may potentially lowering your taxes on these taxable distributions.

You can use medical expenses as itemized deductions (subject to a floor of 7.5% or 10% of AGI). To do that, you're right, you can't pay them out of an HSA. This works for some people, but only if they've got really high expenses (relative to their AGI), and if they've got enough other itemized deductions to get them above the standardized deduction. At least I think that's what you're writing about here.
Each person's situation is different. This strategy seems to work fine for yours.

Calling seems like the best idea. Here's what I see when I try to do an exchange from a fund I have in an HSA account with TDA (I don't keep spare cash on the brokerage side) to GMLVX. This is from the order comfirm page, right before finalizing the order:

Details About the Fund You're Selling
Open for Investment: 	 	Closed to New 	
Transaction Fee: 		No 	
CDSC Charge: 	 	 	0.00% 	
Cut Off Time: 	 	 	4:00 PM EST 	
Settlement Date: 		T+1 	
Redemption: 	 		None 	
See prospectus for more information. 	
Details About the Fund You're Buying
Initial IRA Minimum Amount: 	0.00 	
IRA Subsequent Amounts:	0.00 	
Open for Investment: 		Yes 	
Transaction Fee: 	 	Yes 	
Cut Off Time: 	 	 	4:00 PM EST 	
Settlement Date: 	 	T+1 	
Redemption: 	 	 	None 	
Purchase Fee: 	 	 	0.00% 	
CDSC Charge: 	 	 	0.00% 	
Sales Charge:  	 	0.00% 	
See prospectus for more information.

The problem is that this is what I see whether I enter GMLVX, or a DFA fund (e.g. DFCSX, see MFO thread on developed small caps), or other institutional class funds that aren't readily available.
FWIW, MOWNX shows up as an NTF fund with a $2500 min on the order confirm page, otherwise it appears the same as well. Advisor-only shares, like WASYX (see this MFO thread) show up NTF, $0 min on the order confirm page, but their TDA fund pages likewise say "Not Available through TD Ameritrade"
Maybe if I pressed the "Place Order" button the system would even accept the order. The question is whether the order would actually go through. Again, calling seems like the best bet - just hope you get someone who digs a little deeper than reading off the same screen.

Note to Trump - Please resign after DOW falls 1000 times. Then if it does not go up 1000 points, take the soothsayer to court.
Utter crap. Making a prediction predicated on something that's not going to happen in which case one cannot really say you are wrong.
If I could become 20 again, I would have hair. How's that for a prediction from someone who has predicted several times, such predictors will never go away?

https://www.sec.gov/Archives/edgar/data/1081400/000108140017001077/smallcompanygrowthPROsupp.htm
497 1 smallcompanygrowthPROsupp.htm SMALL COMPANY GROWTH FUND SUPPLEMENT
SUPPLEMENT TO THE PROSPECTUSES
and SUMMARY PROSPECTUSES
OF WELLS FARGO EQUITY GATEWAY FUNDS
Wells Fargo Small Company Growth Fund(the “Fund”)
Effective July 31, 2017, the Fund is closed to most new investors. For further information, please see the section entitled "Additional Purchase and Redemption Information" in the Fund’s Statement of Additional Information. Wells Fargo Funds Management, LLC reserves the right to reject any purchase order into the Fund if it believes that acceptance of such order would interfere with its ability to effectively manage the Fund.
May 18, 2017 EGIT057/P904SP
OR
https://www.sec.gov/Archives/edgar/data/1081400/000108140017001078/smallcompanygrowthSAIsupp.htm
497 1 smallcompanygrowthSAIsupp.htm SMALL COMPANY GROWTH FUND SAI SUPPLEMENT
SUPPLEMENT TO THE STATEMENT OF ADDITIONAL INFORMATION (“SAI”)
OF
WELLS FARGO EQUITY GATEWAY FUNDS
Effective at the close of business on July 31, 2017, the following information is added to the section titled “ADDITIONAL PURCHASE AND REDEMPTION INFORMATION – Investors Eligible to Purchase Closed Funds” in the SAI.
All classes of the Small Company Growth Fund (the “Closed Fund”) are closed to new investors, except in connection with the closing of a reorganization or as outlined below. Additional investments will not be accepted in the Closed Fund unless the investment falls within one of the below referenced categories. If you believe you are eligible to purchase shares of the Closed Fund, Funds Management may require you to provide appropriate proof of eligibility. Funds Management reserves the right to reject any purchase order into the Closed Fund if it believes that acceptance of such order would interfere with its ability to effectively manage the Closed Fund.
Existing Shareholders. You may continue to purchase shares of the Closed Fund if:
You are an existing shareholder of the Closed Fund (either directly or through a financial intermediary), with an open and funded account, and you wish to:
add to your existing account through the purchase of additional shares of the Closed Fund, including the reinvestment of dividends and cash distributions from shares owned in the Closed Fund; or
open a new account that is registered in your name or has the same primary taxpayer identification or social security number (this includes accounts where you serve as custodian, such as UGMA/UTMA accounts). Please note: Selling agents who transact in the Closed Fund through an omnibus account are not permitted to purchase shares of the Closed Fund on behalf of clients that do not currently own shares of the Closed Fund.
You are the beneficiary of shares of the Closed Fund (i.e., through an IRA or transfer on death account) or are the recipient of shares of the Closed Fund through a transfer and wish to utilize the proceeds of such account to open up a new account in your name in the Closed Fund.
You sponsor a retirement plan, benefit plan or retirement plan platform (collectively, “Retirement Plans”) that currently offers the Closed Fund as an investment option. Each such Retirement Plan may add new participants, and the sponsor may also offer the Closed Fund as an investment option in other retirement or benefit plans offered by the same company, its subsidiaries and affiliates.
New Investors. Certain new investors who meet the conditions and/or criteria outlined below may qualify to purchase the Fund:
New Retirement Plans;
For centrally managed (home office) model portfolios, new accounts may be opened, and additional investment for current accounts may be made, in the Closed Fund if they are made through existing fee-based investment products and/or existing mutual fund wrap programs (e.g. through a broker, dealer, private bank and trust company or consultant) that currently use the Closed Fund; however, new model portfolios introduced in existing products and platforms must be preapproved by Funds Management;
Separately managed account clients of, or investors in a pooled vehicle advised by, the Closed Fund’s sub-adviser and whose assets are managed by the sub-adviser in a style similar to that of the Closed Fund (either presently or within the last 60 days of their request to open a new account) are allowed to open a new account;
Registered investment advisers who currently utilize the Closed Fund in their asset allocation programs will be able to open new accounts and/or continue to invest in the Closed Fund;
Private bank and trust platforms that currently offer shares of the Closed Fund are eligible to add new accounts if approved by Funds Management;
Non-centrally managed discretionary and non-discretionary portfolio programs that currently offer shares of the Closed Fund or share the same operational infrastructure as programs that currently offer shares of the Closed Fund if approved by Funds Management; and
Funds of Funds advised by Funds Management may purchase shares of the Closed Fund.
May 18, 2017

Is there a publicly accessible list of NTF funds available through TIAA? I'm curious because I sometimes see M* list a fund as NTF at TIAA that's not NTF at other discount brokers. (I find the M* brokerage availability pages among the least reliable data M* publishes, so it would be good to verify.)
Regarding TDA - we have an HSA account that lets us invest through TDA. No complaints, good selection of NTF ETFs. For retail investors TF fees are a bit high ($49.99 each way) and it has a 180 day short term trading fee on NTF funds (not of concern to me). Our fee schedule is different since it's through the HSA.

And that divergence grows even more so today. After newsletter sentiment reached multi decades highs in bullishness, now all I am seeing is how technically vulnerable the market is.
I can make a case a reset is coming or has already arrived. But the market has a way of making soothsayers look bad.

I don't think this article helps too much, but here's a 2013 article describing Capital Group's reorganization into multiple groups:
http://www.fa-mag.com/news/capital-group-will-restructure-based-on-investment-objectives-13699.html
Ignoring for the moment that little of the verbiage in the article or prospectus is particularly clear, what I would have guessed is: many mutual fund companies have multiple equity teams where each team manages multiple funds. Those teams tend to be theme based, e.g. large cap, small cap, international, etc. While the names of Capital's equity groups don't suggest that, it is at least consistent with the FA article, that talks about organizing these groups around particular investing objectives.
Regarding AF having "now" introduced no-load shares. They've had no-load shares for many years. What changed is that you're now finding a way to purchase them. But no-load R4 and R5 shares for retirement plans have been around for what seems like forever, with R6 and R5E being added more recently. The F share class (renamed F-1 in 2008) has been around for a couple of decades.
You can get F-2, and sometimes even cheaper R5 or R6 shares through HSA accounts. For example, the HSA Authority offers RERFX.

@Bee, why don't you just carry 2 HSA accounts. Open up a cash account with your bank or credit union for what you think you will use per year and keep the rest invested. I think you can do that though not 100% sure. I did have 2 accounts with 2 different banks after I changed jobs.

FWIW, I've been looking off and on at AICFX (F-1 class) which could already be purchased without an advisor.
I've a small HSA that I likely won't be adding to (hard to get a decent HDHP in my county). Until one's account reaches five figures, most HSAs that offer investment options are not economical (fees too high and/or too much cash must be left in a low interest account).
But I found one HSA that only requires a nominal amount left in cash, and offers AICFX as one of its investment options (it seemed like the best on its short list of funds).
So there have been ways to get access to some F-1 shares even before this announcement. They're just quirky and hard to find.

When Junkster wrote about a modest account, I didn't realize that what he meant was that the account owner was being modest. :-) Nice job, and congratulations on getting that bonus.
While I feel that Fidelity is one of the best places going in terms of breadth of offerings, pricing, and service, I find they exaggerate a bit when it comes to dealing with groups having unique needs. Three personal examples:
- The linked article mentions HSAs. Fidelity offers HSAs to employees through their workplace, but doesn't offer HSAs to those unique individuals who hold HSAs independently. (Fidelity says it get lots of requests for HSAs, and it says it it is working on it, but it has been saying that for years.)
- I've written about funding a non-resident alien's US college education (a rather unusual need). Fidelity's response was basically - call around our various departments and figure it out for yourself.
- Years ago, I asked Fidelity for a bonus to bring an IRA to them, ironically from WF. As an alternative, I asked Fidelity to simply cover the transfer charge. Fidelity refused, saying it couldn't for tax reasons. See Junkster's boglehead thread for how this can be handled cleanly. So Fidelity lost out, Merrill Edge won, I got BofA credit cards with better rewards than Fidelity's Visa, and Fidelity lost a second time.
Fidelity handles "unique" needs that it has figured are worth its while, i.e. needs with a sizeable market, not "unique" at all.

Bonuses on brokerage transfers seem to be this decade's version of the 1990's checks for switching long distance companies (MCI->Sprint->AT&T->MCI->...)
Here's a third party page that points you at various Fidelity promotions (like the cable company, Fidelity doesn't seem to want to make its "best price" easy to get):
https://investorjunkie.com/11001/fidelity-promotions/
The link to a Fidelity cash offer points here: https://rewards.fidelity.com/offers/friendsandfamilyoffer1
The highest lump sum cash offer I've seen from any brokerage (for under $250K transferred) is $1K, so I too am curious about a $3K+ offer.
@DavidV - TDAmeritrade seems to offer various different terms depending on whom you work through. In my case, my account is an HSA with a credit union having a brokerage option. I found that even with HSAs, the TDA terms vary depending on the HSA provider. I suspect they have also different arrangements with different 401k plans that offer brokerage windows.

MJG noted:
"Expectations are typically formulated based on a careful review on relevant historical data sets. Forecasting belongs to soothsayers. Forecasting does become more meaningful if odds based on expectations are attached to it."
This just about covers all of the investing turf, eh?
I'll choose #3 at this time.........the odds based expectations thingy.

Hi Guys,
Here is a Link to a superior article from Morgan Housel that highlights the big difference between expectations and forecasts:
http://www.fool.com/investing/2016/08/22/expectations-vs-forecasts.aspx?source=iaasitlnk0000003
The distinction is significant. Housel and I would have a very friendly coffee discussion together. We agree on most things. Expectations are typically formulated based on a careful review on relevant historical data sets. Forecasting belongs to soothsayers. Forecasting does become more meaningful if odds based on expectations are attached to it.
Best Regards.

Why would Vanguard offer VMFXX (gov't) at a 0.30% yield and Fidelity's best gov't fund is FDRXX at .11%?

Because Fidelity is a profit making organization and Vanguard isn't? Fidelity is actually outperforming before taking out its expenses (profits):
- VMFXX: 0.30% + 0.11% (ER) = 0.41%
- FDRXX: 0.11% + 0.37% (ER) = 0.48%
Note that Fidelity has a higher yielding government MMF available at the retail level ($500 min in IRAs): FZCXX, yielding 0.14%.

Three times the difference. Why doesn't Fido have a competitive offering in the gov't space?

Fidelity does have competitive funds - FDRXX shows up in the top ten retail government MMFs. Vanguard is the outlier.
http://www.imoneynet.com/retail-money-funds/government-retail.aspx

I need to change my brokerage MM to a gov't option or ultra short CD soon to avoid the pitfalls of the new law.

Ultra-short bond funds still have one of the "pitfalls" of some of the new MMFs - a floating NAV.
What pitfall are you trying to avoid, and what's your risk tolerance? The fact that you've been using MMFs says that you've been willing to accept the possibility of losing money, perhaps because you felt the risk of breaking a buck was sufficiently low that you'd take that gamble rather than keep money in an insured bank account.
The new MMF rules are designed to reduce that risk further. But if we have another 2008, you might have to wait a couple of weeks to get your cash if it's not in a government MMF. Do you need faster access to all your cash, or can you accept that risk with some portion of your money?

People are saying there is a bank account option in some brokerage accounts. Do they mean CD's? If not, what bank account options do they mean?

They mean using a bank account as your transaction/core account, which is where cash awaiting investment is kept for you in a brokerage. That transaction account can be structured one of three ways (not all of which are available for all accounts at all brokerages):

• cash account (the brokerage holds your money and may or may not pay you interest; if the brokerage goes bust, you stand in line with its other creditors)
• MMF (your brokerage "checking" account is a government MMF that has a remote possibility of breaking a buck)
• Bank sweep (money is moved automatically between one or more bank checking accounts and your brokerage account so that it "feels" like your transaction account really is the bank checking account)

Scottrade does a pretty good job of describing how a bank sweep account in general, and theirs in particular works. Here's itsdisclosure statement as well.
Similarly, here's Fidelity's description of its bank sweep feature (note that Fidelity only makes this available on CMA, IRA, and HSA accounts), and its disclosure statement.
AFAIK, Vanguard does not provide a bank sweep option.

"F" is Franklin, right? :-)
That fund (Franklin Mutual Shares) has a noload share class MUTHX open to people who were continuously invested in any of Michael Price's old funds (they are grandfathered in) and to investors in wrap accounts.
The noload F-1 share class IFAFX of Income Fund of America® is available through various HSA accounts, including one that I've been looking at (because it is one of the few that facilitates cost-effective investing for sub $10K HSAs). It tends to be one of the more attractive offerings on these HSA lists of funds.
More and more these days funds can be accessed without paying a load. A fund that at first blush has an entry fee need not be dismissed automatically.

I have this fund in my HSA account....I need to up its percentage methinks. Thanks for posting!

Near the top of the OSMAX page I see NTF:
Oppenheimer International Small-Mid Company Fund
Class A OSMAX
OppenheimerFunds | Foreign Small/Mid Growth

The HSA account is a full TDA brokerage account. The only restriction is that money only moves in and out through the associated bank's or CU's HSA account (one cannot fund it directly).
I agree that the TDA vanilla account's $50 fee make TF funds unattractive. A $50 fee works at Fidelity because there selling is free and one can add to positions for $5 (unlike Schwab where selling is also free but there's no cheap way to add to a position).
That's why I prefer Fidelity for TF funds (unless they're available NTF elsewhere).