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URL:  http://boards.fool.com/when-i-retire-in-3-years-i-can-accomplish-the-20800109.aspx

Subject:  Re: Questions on 403(b) and 457 Plans Date:  5/21/2004  2:28 PM
Author:  jesserivera67 Number:  41087 of 78168

...when I retire in 3 years, I can accomplish the rollover at that time. Or, I could retire now and give up all of the extra contributions I could make in preparation for the rollover. Or I could leave my present employer (sacrificing the ability to contribute the long-term employee catchup amounts), do the rollover into the IRA, and then go back to work for another employer (or maybe even my current employer).

Here's some sites for you in case you haven't read them already (looks like you have but thought I'd send this any way)

http://www.403bwise.com/
http://www.fool.com/money/401k/401k.htm
http://www.irs.gov/pub/irs-pdf/p571.pdf
http://www.irs.gov/pub/irs-pdf/p557.pdf
http://www.irs.gov/retirement/article/0,,id=96315,00.html

I think the above info should have answers to your questions and if you have read them...I'd give the IRS a call at the numbers at the end of the publications. Taking a brief look at the 403(b) document it seems there is a calculation for the MAC but I didn't see anywhere where it said you could not tack on the 4