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Check with your human resources people, and ask them if your school district has any other 403(b) vendors. When I started my current job there was no information on who offered 403(b) plans, but when I asked I found out that there are about 30 different approved vendors. Your school district may have only one, but it probably offers at least two to five. It is doubtful that AG Edward will be able to offer you anything for the 403(b).

Just for your information, the 403(b)7 does not invest in annuities, just mutual funds, and as TMFPixy pointed out, Vanguard and Fidelity both offer 403(b)7 plans. I'm pretty sure that you cannot take a loan out on the 403(b)7 plan, so that might be a sonsideration in changing vendors. I have been with Fidelity for over a year, and have been quite happy. My retirement account is with TIAA-CREF, and although they offer annuities, the fees are lower than most mutual funds.

I invest my 403(b) according to The Motley Fools guidelines for investing 401K's (, but to learn even more about the 403(b) go to (

Good luck changing vendors, (I switched from Aetna to Fidelity, wasn't a big deal). Hope this is helpful.

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