No. of Recommendations: 1

1. Front-ending your 403(b) is probably up to your employer, and they'll
probably say no.
2. Doesn't matter when you start your catch-up contribution, as long as you turn 50 in '05. Max for '05 is same as for 401(k), $14,000, catch-up is $4,000. That's $18,000, nice chunk of change.
3. You can still contribute to a Roth. The max for '05 is $4000, the
catchup is $500 ($4500 total). Doesn't matter when you make the contribution, can be Jan 1 '05 to April 15, '06.
Hope this helps.
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