Hi! I'm a 5th year teacher and just now getting a handle on the 403b lifestyle. After listening to the podcast, I'm so upset my district does not offer Vanguard. If you had to pick the "next best thing" which would you choose between VALIC, Metlife, Lincoln Investments, VOYA Financial, or AXA. My district endorses VALIC, but they all seem like salesmen to me and seem to not have my best interest in mind. Thanks so much in advance!