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<<It is my understanding that if you have left the employer where the 403(b) plan is withheld you can move that fund into a traditional IRA. Am I correct? If not, I've made a couple of transfers I shouldn't have made!>>

If they allowed the transfer to a self-directed IRA, you should be OK. The problem with 403(b)s (IMO) is the rules that restrict you from moving your funds..
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