re: 401k Rollover advice needed........

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If I'm understanding this correctly, you are saying that to set up automatic transfer withdrawals from the John Hankcock account to the rollover account? Is something like this even allowed without some type of penalty? I wonder how this would impact any vesting benefits b/c I'm not 100% vested for three years.

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Not all plans allow in-service rollovers. But assuming it's allowed under your plan, there's no penalty as long as you're rolling into a qualified IRA. Schwab has good reps. I'm sure that they can walk you through the process (and rules) if you want to explore that option.

Yes, you'd definitely want to find out how this affects the unvested portion of the match.

I hope that your experience with John Hancock is better than mine was.