My IRA is coming due Jan. 2012. Vanguard was going to fill out the paperwork and send it to me via email. This never happened. I'm not impressed I must admit.
I'm in a bad spot. I can get 7-year CDs at 2.75%. However, I'll be over 59-1/2 before the 7-year hitch is up (if I am still alive that is).
I am permanent/totally disabled which matters as I can tap the IRA without a penalty.
I've looked long and hard at Vanguard but like you said, they won't give you any advice.
Edward Jones has an office where I live and they are going door-to-door trying to drum up business. Not impressed again.
What a nightmare this economy is. The idea of getting a paltry 2.75% on my life's savings sickens me. Maybe it is the best I can get, I don't know. Given my situation, I am lucky I even have an IRA still.
I looked at managed payout funds with Vanguard (VPDFX). This is a new thing with them with little history behind it and requires $25,000.00 to buy into. Again, not impressed.
*sigh*
Oh what to do ...
In any event, thanks for your kind post Paul and Happy New Year 2012 to you. 
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