Originally Posted by GreenerPastures

Couple points to consider.
1) Money in company-sponsored retirement programs is much less vulnerable to liability litigation than money in IRAs. In other words, if you’re sued for an at fault accident, vehicular, home owner, pet bite, etc., then assets in an IRA are much less safe than a 401, 403, TSP, etc. I had a lawsuit scare 2 years ago after my kid had a car accident. Guy sued big time because daddy had assets and high insurance limits (thankfully). Lawyers told me individual retirement accounts (IRAs) can be sought but employer-sponsored (401k, TSP, etc.) are very hard to sue for.
If you have considerable assets and kids, pets, cars or property, like most pilots do, this is something to consider. Lots of sleepless nights for me while the lawsuit played out.
A quick google search for reputable info or call to a lawyer will get you the correct info.

2) If you desire ability to trade easier, you can move PRAP assets to a PCRA and trade like a brokerage or IRA. Schwab does not charge commissions on stock and ETF trades.