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  1. Hi there! My wife moved to a new job more than a year ago and would like to do a direct transfer of her VALIC 403(b)to her new employer's retirement plan. She has invested in VALIC 403b for more than 7 years on her 1st employer. A VALIC adviser told her that she still has to pay a 5% surrender/exit charge. Is he for real or what!!!because i read some articles on this very good website that they often don't do an exit charge after 7 years of investment. Anybody out there- please give us your much needed input. Thank you very much Rey
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