I'm a teacher and have about 50 k in a 403b with Axa. Unfortunately they are raping me on fees. I have since stopped contributing to this account and started a Roth with vanguard. What can do with my 403? I'm 33 and am not planning on separating from my current employer so I think an Ira conversion is out. My employer offers other 403b vendors but they are all snakes as far as I can see. My wife has a Tiaa cref account, can I roll my money into her account ....probably not. Looking for some out of box thinking here... I own a farm and plan on beginning a phd if either of these matter. Thank you for any input.