I've got a small chunk in a 403(b) custodial Plan with my employer and I just read through the Annunities information and was floored. Does anyone know if there is any way to convert it over time or as a lump to a Roth? In 98, the employer allowed IDP for the 401(k) plan, which I now max out. The annuity article has my head swimming with all kinda ugly stuff.