YOU HAVE FOUND OUR OLD WEB SITE. BE SURE TO CHECK OUT OUR NEW AND IMPROVED SITE!     Get Wise — power your 403(b) with these Wise moves.     Start a 403(b) Learn how to start a 403(b).   Learn Impact of Fees A list of fees that can affect your 403(b) returns, and a chart demonstrating how fees steadily eat away at your 403(b) to the tune of tens of thousands of dollars.   Allocate Investments Wisely To offset divergent performance, experts recommend a portfolio spread among a variety of asset classes.   The One Fund Solution for the 403(b) and 457(b)? Target-date funds may hit bullseye for savers seeking simplicity.   The Importance of Naming a Beneficiary Many investors ignore naming beneficiaries and contingent beneficiaries to their retirement accounts. Or just as bad they name their estates as the beneficiaries. These are mistakes that could cost heirs large amounts of money.   Annuities and the 403(b) The low down on annuities inside a 403(b).   10 Questions to Ask Before Buying a 403(b) Fixed Annuity Fixed annuities can be a good investment. Cutting through the sales pitches and paperwork can be mind boggling. Here are some questions to help in the process.   Get Better 403(b) Choices Teachers and non-profit workers are often restricted by poor 403(b) investment choices. Learn how to fight for better options.   Employers: Adopt a Single Vendor Approach There are a multitude of benefits to both employer and employee when a sole quality vendor is selected.   Socially Responsible Investing Making investment decisions to achieve social as well as financial return.   Roll a 403(b) into an IRA Retiring or changing jobs? Here's how to roll your 403(b) into an IRA.   How to Transfer 403(b) Money (Via a 90-24 Transfer The IRS allows you to perform something called a 90-24 transfer into either another vendor offered by your employer, or as of this writing, to an outside-of-plan vendor.   The 403(b) Loan: The New Debtors Prison? The pitch from the annuity salesperson is so alluring it is hard to resist; take out a loan against your 403(b) and pay off high interest debt. Is this a Wise move?   403(b) and/or Roth IRA? Which retirement plan makes sense for you? Is one plan better than the other? Or should you contribute to both?   Contribute to both a 403(b) and a 457(b) plan How would you like to sock away money each year to a 403(b) and a 457(b)? Thanks to recent passage of the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA), some educators now have this opportunity.   Get IRS Publication 571 Detailing the 403(b) Publication 571 explains the IRS rules governing the 403(b) including eligibility, Maximum Amount Contributable (MAC), Maximum Exclusion Allowance (MEA), calculation worksheets, and information on contributing to both a 403(b) and a 457 plan. You can also obtain this document by calling 1-800-829-3676.     Home | Disclaimer | © 2001-2007 bWise Guys, LLC. All rights reserved.