You are dead on. With the recent volatility it has made impossible to not only sell off funds but I have also encouraged a few clients to wait a bit until the market has settled down. Earlier in the year I had a handful of people that had significant rollovers that worked to their advantage. By the time the rollover was initiated, the check was mailed, then received, then reinvested, the market had dropped significantly. In one case I figure it saved the client approximately $20,000. It was pure luck, but he sees me as being the hero. (He said it, not I). I’ve been fortunate to have that have not worked against me yet (knock on wood). The best way for that not to happen is to not rollover in this type of market.