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Thanks, Paul!

So would you say the best plan is to max out the Roth each year before contributing to the 403(b)?

And with respect to individual stocks, I am indeed looking primarily at smallish growth stocks. If I were to add some higher-dividend DRPs to my portfolio at some point for LTBH, what vehicle makes the most sense?

I like to streamline when it won't hurt financially, so I'm happy to forget the annuities.

Thanks again!

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