OK...so the latest is this...
For the time being I am going to be leaving my existing 403B and SEP shares where they are as class B (until I have time to think about exchanging them for class B shares in another fund (within oppenheimer) which I have been told, but need to confirm I can do without resetting the 8 year timetable or paying a CDSC on the exchanged shares)..
Going forward I have tentative approval from my boss that I can start putting my money wherever I want... So I'm pretty sure I am going to use Vanguard as I recently opened a Roth there and am pretty pleased with them. Im thinking I will put the SEP (2.5%-5% of my gross) in VGTSX (Total International Stock Index) and my 403B (10% gross) in VWELX (Wellington).
On the conservative side of my finances I have about 10K in a CD and save here and there and am now on track to have my mortgage paid off at 50 years old. How am I looking? Good thinking