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Greetings, Glenn, and welcome.

<<*403(b)'s, custodual 403(b)(7)'s or brokerage 403(b)'s , & 401(k)'s allow investments in annuities and mutual funds only.

*Even if your Plan Administrator or Employer is flexible enough to let you perform a transfer out of a 403(b) or 401(k) your new account will be in one of the 3 categories above and will still be limited to annuities and mutual funds.>>

That's true of 403b accounts, but not necessarily true for 401k plans. Some 401k's allow a self-directed option within which participants made trade individual securities. While rare, 401k plans may include such accounts as an investment option. Also, while employed the only way money will be distributed from a 403b is as a rollover to a 403b(7) account. Some 401k plans may allow an in-service distribution on reaching age 55, but it's not required. Others sometimes allow distribution of the employer's (but not your own) contribution after two years. If the 401k allows this, that money can be transferred to a self-directed IRA within which one can buy stocks.

<<*An IRA is the only option that will allow me to invest in individual stocks, and there are only 4 ways to get her money into an IRA.
1) she dies
2) she is disabled
3) she retires at 55 or is it 59 1/2.
4) she quits her job or is fired.>>

Basically, that's correct.

<<The first 2 are not options I wish to pursue, the third is a ways off, and she is very happy at her current job. My questions are these:
1) Suppose she quits her job, can the 403(b)/401(k) administrator deny a rollover to an IRA?>>

No. However, the plan may limit the time of withdrawal to certain times of the year (e.g., quarterly, semi-annually).

<<2) Is there a way other than quitting where we can get her pension money into individual stocks?>>

Again, no.

<<(And what about the next job, what if it has a 401(k)/403(b) what contributions to those plans?)>>

If it does, she may participate and will have to select among the options available within those plans.

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