The trustee-to-trustee rtransfer is the best way to doit, it is clean and definitive. It takes time, thohg, so you will not avoid any crash if you want until one starts. Crashes tend to be fast and furious up front, all lost in maybe just a couple-few days. Trustee-to-trustee rollover can take weeks. But even if you do it yourself, it will take time to start a new IRA account, and you better know all the detials of how to do it.