Ken -Sure, many of the annuity funds are available on the outside... what about minimum funding requirements?And asset allocation? For the investor with deeper pockets many opportunities are available. But for the beginner/small investor a TSA opens doors.A TSA's death benefit feature may not be important to everyone... That's fine. If a person can live without it, so be it.Higher expenses for the TSA? Most likely. But you get what you pay for. If using one mutual fund family for a 403b(7) account suits someone best - go to it! Heavy back end load? Well, many TSA's have a surrender charge that's a bit higher than Class B shares of a mutual fund, but if a retirement saver will be in it for 10+ years it shouldn't be a major obstacle.Overall I feel that too few people save enough for retirement at all! If a financial advisor motivates a person to save ANYTHING that's a step in the right direction...Cheers, PP
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