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Unfortunately, we were never given any options that included wiser choices. All of our options are insurance agents, surely there was and still is money being passed under the table to these people. Many teachers do not understand or know what a 403b is. Thank for the info.

It is a tax-sheltered annuity. It is with Western Reserve Life. I have been making contributions since 1996. Thanks for your reply.

Hi there, my name is Suzanne and I am a school teacher. I have some of my retirement money in a 403,b. I plan on retiring when I am 66 which is in 4 years. Can I take this 403b and transfer it to a Roth IRA and pay the taxes this year? Thanks. :flowers: