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I am a teacher who has had a 403b plan for 11 years with metlife. I naively didnt realize there was such a discrepency in fees. The rep who was managing my account has retired and I am thinking of switching over to Fidelity or USAA. I am a little freaked, because neither one has a face to face rep who manages (ie, put on a rebalancer). I dont know what to do and I would love some advice as I have NO IDEA where to begin and certainly dont want to lose money. Thank you so so much!!