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Say, wait a minute. I think I see what you are saying. Set up another IRA with a different (read discount) broker and then pay as I withdraw. But isn't that the same as just leaving it in the (b)? Your opinion, please

Assuming it is legal to roll a 403b into an IRA, that's the idea. The IRA, you can manage yourself, buying F4 or whatever else you want.

I've rolled two 401k's into my traditional IRA, and will probably roll my current one too.

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