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  1. I have a 457b with ICMA-RC from a former employer and I’m wondering if I should rollover the funds to Vanguard or Fidelity. If I rollover the funds, I would lose the opportunity to withdraw the funds penalty free before the age of 59 1/2; however, I don’t think this will be a problem. Are there other factors I should consider?
  2. Teachers Retirement Plan “Upon hire, employees classified ET begin automatically contributing eight (8) percent (if hired on or after November 1, 1996) or seven (7) percent (if hired prior to November 1, 1996) of their salary on a biweekly basis into this retirement plan. . Employees who are not classified ET do not contribute to this plan. District of Columbia Teachers’ Retirement Plan Summary Plan Description (SPD).....In order to rollover or withdraw funds from this account, the employee must be separated from DC Government.” You do not control how this money is invested unless you separate from service. Through the 403b and 457, you may invest additional funds that you’re able to invest into various funds. Also, I wasn’t aware of a 5% contribution to a 457; this has not been my experience with DCPS.
  3. Yes, the 457 is great; there several low cost investment options.
  4. Does anyone have additional information about "Private Placement" Vendors operating in the 403b market? How can private placement vendors be identified?
  5. Hello all! I have a 403b from a former employer that is with TIAA; My present allocation is moderately aggressive and I'd like to be more aggressive ( 20 or more years until retirement). Should I reallocate my investments within TIAA or do a direct rollover to Vanguard (most of my investments are there)? I have a wide assortment of funds that I could invest in with TIAA including Vanguard's Total Market Stock Index Fund (VTSAX). Any thoughts? Thanks in advance.
  6. Yes, a few Vanguard funds are offered in DC’s 457b plan; a VT fund is offered, as well.
  7. Here's a link to the Approved Vendor List: https://dcps.dc.gov/sites/default/files/dc/sites/dcps/publication/attachments/403b and 457 Vendor List.pdf
  8. No, I’m not currently using Holistic Planners for financial services. 2016 403b Vendor Listing.pdf
  9. Here is a link to the Holistic Planners website-- http://www.holisticplanners.com/ ____ Although I might be changing employers within the next 3 years, I am not in a high income tax bracket. As a result, I will pursue investing in Vanguard's Total International Stock Market Index fund, my investment portfolio is very underweight in International Stock. Thanks again!
  10. The name of the company I referenced was Holistic Planners. I'm not sure that it's a one-time fee. Overall, I'm trying to save as much as possible, decrease expenses and fund the accounts that make sense. _______ My other providers are: Axa/Equitable Lincoln (Annuity) Met-Life New York Life Valic Voya/ ING Thank you for taking the time to provide feedback!
  11. I’ve maxed out my 457 plan and will max out my Roth IRA this year. In addition, I’m thinking about investing in a 403b. I’m reluctant to invest with the high fee annuity companies such as Voya, AXA, Met Life, Etc. but I have another investment option—this company charges a flat fee of .80 basis points, no surrender fees and offers several Vanguard products. Would you invest? (Funds & expenses) Vanguard 500 index/Adm—.04% Vanguard equity income—.26% Vanguard S&P 500 index—.14% Vanguard Mid-Cap Growth Index—.07% Vanguard Small-cap growth index—.19%
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