403 b plans often are limited to annuities. These annuities often have horrendous surrender charges.See if your plan allows for transfers from it to an IRA. Put your 403b contribution into a MMF (no surrender charge) then periodically transfer part of the MMF to an IRA.Some plans allow this, some don't. See if the planner knows about this.Buz LivingstonRegistered Investment AdvisorFee-Only Financial Planner
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