To address your first question, you can easily merge your IRAs and
Roths. Why pay $10-$35 in annual account fees TEN times when you can
pay it twice (1 IRA & 1 Roth)? You also receive alot of statements and
god forbid you get into RMD territory. No need to complicate the math
like that. Just rollover the IRAs into one account and the Roths into
one account.

You might even be able to take advantage of the IRA conversion to
convert some or all of your IRA funds into Roth. This may be
advantageous now that you are close to retirement and have a better
idea of your future tax scenario, maybe not. If your ample pension and
upcoming Social security provide a decent income base, you may not be
in a low tax bracket during retirement. This is compounded by the fact
that we tend to lose our deductions as we age (mortgage interest,
dependents, etc). Having more Roth funds as opposed to IRA funds may
be advantageous for you.

Sometime within the next 1 - 9 months, I will be retiring from my job
with the Federal Govt. I presently have 2 Roth IRA accounts and 8
non-Roth IRA accounts. All are mutual funds. Most are with either
Vanguard, T Rowe Price, or Janus.

I would like to consolidate these accounts into three accounts at most
(1 Roth and 2 non-Roth), and I know that I can't combine Roth with
non-Roth, unless I do a conversion. I probably won't need to withdraw
any IRA funds for at least 5 years (very possibly more), because I'll be
receiving a solid pension and I also have a 401(k) (Thrift Savings Plan)
and regular savings to tap into, if need be.

I'm interested in putting the IRA funds into "lifetime" funds (I think
that's what they're called....), where the asset allocation is
automatically updated, depending upon the "maturity" date of the fund.
I'm looking for recommendations on whether to go with Vanguard or T Rowe
Price. Also, what time frame should I select? (I'll turn 55 later this
year, single with no dependents). 2010 seems too short a time frame,
while 2020 may be too long.

Any help with making these decisions would be greatly appreciated.

Thanks!