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I'd do a new Roth IRA at a different place - If you like Vanguard you can buy through Vanguard directly, or if you want more options you can do pretty much any brokerage. I use eTrade, which is OK, although I think their trade cost is a little higher than some places. You can have your NY Life IRA transferred or not, as desired. My husband likes American Century and does his IRA there - they have a lot of no load, low expense ratio funds that seem pretty good.

Any money after that Roth IRA ($5500/year currently) I'd do the 403. It may not be the best, but its still a tax deferred account and specifically geared toward retirement so it will help to save money where it won't be spent easily.
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