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The ability to contribute to a 403(b) is not limited by contributions made to an external Roth IRA.

Did you somehow get the impression that I suggested such?

403(b) contribution limits for 2014 are $17,500.

Yes, and this is why I think one should not ignore the 403b - because your ability to save for retirement in a tax-advantaged manner is MUCH GREATER than the $5500 cap you have on a Roth.

By all means, take advantage of a Roth, just don't ignore what might otherwise be available via various 403b companies.

My wife (a teacher) uses both and while she has Ed Jones for her 403b, they utilize R shares which do not carry a load and the expenses are reasonable for load-waived funds (mostly American Funds).
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