No. of Recommendations: 0
Others have pretty well covered the pros and cons, but, I wanted to question your statement that the "403b has access to a few lower cost funds". Are you sure that is correct? Typically there are administrative fees associated with employer plans that are not imposed by a personal IRA account. The lawsuit protection is dependant upon state laws as I understand it. Is it true in your state?
Personally I would lean toward the IRA unless the lawsuit protection or the age 55 and out is very appealing.

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