20K worth it for Self Directed IRA?

[Bernard Chouinard]

I have a little over $20K in a old 401K. I was going to role it into a SD IRA but after talking to one adviser that works with SD IRA's she's telling me not to do it as its not much $$.

I would like to this case towards REI. Should I just withdraw and take the tax hit and use as cash?

What are your thoughts?