I am in a similar situation. I'm in Georgia, and I have a 403b plan through Midland National that I've been contributing to for about 5 years. I stopped contributing last month after listening to Clark Howard and finding you guys at 403bwise. However, I haven't moved the money yet. My school district doesn't offer ANY companies that are not high fee, etc. All are through insurance companies. What now? Should I leave it where it is or pay my surrender fees and taxes and just pull it out? Can I initiate a transfer to another company like Vanguard or Fidelity and then would it have to be in a ROTH IRA or traditional? I'm learning but still limited in knowledge regarding all of this. I just wish I'd never signed up for that 403b but was talked into it!! Ultimately it's no ones fault but my own but would love some help getting out of this mess!