As an educator, (now retired), I maxed my 403b during the last 10 years of work, and I also maxed a Roth Ira, at Fidelity. When I retired, I rolled over my 403b to a Rollover Ira at Fidelity. Then I invested the money in a few ETFs that have .05, or less, in fees (such as Itot..) and I have...