I teach in NJ and would like to set up a self directed 403B with my District. Lincoln investments is on the list. However, my HR directed me to a third party that they are using, Plan Connect. I researched and they are a subsidiary of AXA. I called them and asked how they were reimbursed and they told me through the firms when someone opens an account. Ugh. How do I proceed to open a self directed low cost account if I have to go through this third party? Thanks so much for this wonderful forum!!!