Hi all, Thanks for all the helpful information on this website - it's been a godsend. Based on a lot of my research, I decided to cease contributions to the AXA Equitable 403b plan that my school district offers and shift into the Massachusetts state 457 plan ("SMART Plan"), which has much lower fees. I've been trying to figure out if I am allowed to roll over AXA funds into the 457 plan, and it seems as though this is not possible until I turn 59.5 or leave my current job. I was wondering what suggestions you all had in terms of next steps for the money that is in that account (I've been contributing for the past five years to the 403b) - I'm happy to pay surrender fees if it gets me into a better investment vehicle, but I don't even know if that's possible. Are there specific funds or AXA plans that are "least crappy"? Or general advice for what to do with money that's already in a bad 403(b)? My school only offers plans from AXA and Lincoln Financial, so there's not a "good" 403b option within my employer to transfer to (Vanguard, Aspire, etc.).