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As was mentioned previously, you should be able to find out if you are eligible for a 403B by checking with your employer. Some education employers have standard pensions and do not offer 403B's. Amplifying on what was said earlier about annuities, if you DO have a 403B plan at work AND the choices are restricted to annuities (as many 403B plans are), see if your plan offers TIAA-CREF retirement annuities. In my opinion, if you gotta be in an annuity, TIAA-CREF is the way to go - low expenses, non-profit organization, very respected in the financial community. for more info.

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