If by "Dumping the IRA" you mean withdrawing all of the funds, be very careful you don't trigger income taxes on all or part of the proceeds. You can leave your money in your IRA and buy short term CDs or whatever. No income taxes when the CDs mature in the IRA and you can probably get a wider range of maturities and interest rates than you would at a local bank. Be aware you'll probably need to begin mandatory withdrawals at age 72.
I'm assuming your IRA is at one of the big national firms like Schwab and that your advisor isn't charging a fee.
