Originally Posted by bcinvest
"Is it a technical/tax issue with the difference between 403b/457 and 401ks and IRAs?"
One significant difference between a 457 and an IRA relates to minimum age for penalty-free withdrawals. A 457 can be withdrawn penalty- (but not-tax-) free anytime after separation from service. Roll it over to an IRA, however, and that flexibility is lost.
I have no information on 403b's. They may be different.