Hi, my employer is offering a 403b, ROTH 403b plan and a 457b plan with this investment company called the The Legend Group. Has anyone heard of them or have experience with them? They offer some Vanguard funds that Im looking into so Im kind of partial with them. Another group Im looking at is GWN securities, does anyone have any experience with them? Also Im new with 403b's and ROTH 403b's and 457b plans, can anyone explain the difference between them and a 401k or a IRA? Should I take a ROTH 403b and a 457b plan? What are the advantages or disadvantages of doing so? How can I utilize such plans to retire early (age 45, Im currently 30)? Im new to all this, so I am willing to learn. Thank you.