Keep it where it is
Leaving your account in its current setup may be your best option. Compare ongoing fee structures, crediting options, and feature flexibility against your overall retirement strategy.
Choices for an account you already own
Your Existing 403(b): What Choices May Be Available?
Keep it, move it, or review it before deciding.
An older 403(b), a district move, or upcoming retirement brings important decisions. Your first step isn't automatically moving your money—it's understanding your current account features, fees, guarantees, and access rules before making a change.
Four paths to examine
A choice is available only when the rules permit it.
Review the current account
An account inventory uncovers early access timelines, interest rate floors, death benefits, fee structures, and rider features that are often overlooked on standard statements.
Transfer or exchange it, when permitted
A plan transfer or provider exchange can unlock better investment choices or lower costs. Always compare your existing account terms directly against new options before initiating a move.
Roll it over after an eligible event
If you've changed school districts or retired, you can roll funds into a new 403(b) plan or IRA. Check destination account fees, investment choices, and any benefits you might give up.
Pause before the paperwork
Before You Move It, Understand What You Have
Your current 403(b) may include valuable growth guarantees, legacy benefits, or early exit rules worth examining before taking action.
Schedule a 403(b) ReviewAvailability depends on employer-plan rules, contract provisions, eligibility, and tax law. A transaction may involve surrender charges, restrictions, taxation, or loss of existing guarantees or benefits. Changing employers does not by itself mean an account must be moved.
Build an account inventory
A few details can change the conversation.
Account structure & provider
Identify your current financial provider, product structure, and whether the account remains active with your current school district.
Costs and access
Examine annual management charges, rider expenses, early withdrawal adjustments, and loan availability rules.
Existing features
Review principal protections, crediting strategies, optional riders, lifetime income options, and death benefit terms.
Tax and eligibility context
Confirm if an eligible triggering event has occurred (such as separation from service) and verify how future distributions will be taxed.
Questions to carry into the review
- What guarantees, crediting strategies, or features would remain intact if I keep my account as-is?
- Are there early access schedules or withdrawal adjustments on my current account that haven't expired yet?
- What total fees am I paying today compared to the new 403(b) options available in my district?
- Does my employment status allow for an in-service transfer, exchange, or direct rollover?
- How does keeping or moving this account support my overall retirement timeline and pension?
Decide with confidence
A review can begin with the contract you already have.
Bring a recent statement. Together, we'll map out your current account details, compare your district options, and ensure you make your next move with complete clarity.
Schedule a 403(b) Review