Consolidate 401k Accounts

Well, now I have a second account with TIAA-Cref, but I still have one commercial-based account floating around out there.

I would like to meet with a real professional about this to discuss my options, because I don’t trust the guy at the bank to look out for anything more than his own personal commission/bonus.

I looked up the difference between 401ks and IRAs today and I’m not sure there is a benefit to rolling it over at this point, if I”m not currently contributing anything. I think I will change my goal to “Consolidate my 401ks” because I feel silly having two different accounts, and that’s actually what I need to work on.

I can’t remember what the point of rolling over my 401k (to an IRA?) is, exactly, except that I left my previous employer 9 months ago and still haven’t accomplished this yet.