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Greetings, KoolC, and welcome. You asked:

<<Hello, I am brand spankin new at this and would like some advice on 403's. I work in a "non profit" so they say hospital..My employer chooses not to match my contributions. I know it is tax deffered, but i think the plans that are offered will be heavily laced with fees. Is there a better option than my company 403b?? >>

Certainly there may be. And in the absence of an employer match, you may be better off in a Roth IRA for the first $2K of your money. But you gotta do the comparative analysis of your options first to see if that would be true. See my 13 Steps to Foolish Retirement Planning at for some considerations. Pay particular attention to Step 4.

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