(Formally HigherEd Retire Podcast)

In this podcast, your host, Greg Shepard, will discuss rolling over your 403b to an IRA. This accounts for other higher ed accounts as well, such as 457b’s and 401a’s. You’ll learn the following in this podcast…

Scenarios as to when you’d want to rollover your 403b to an IRA….

1. Old employer plan
2. Retired
3. 59 ½ yr old rule

How you go about doing the rollover. Greg will discuss the logistics of the process and how dealing with TIAA can be a headache if you’re not familiar with how the process works.

Greg will discuss where to send your money when you request the rollover. You’ll learn where Greg custodies his clients accounts as well as a few other vendors he recommends.

Most importantly, learn why you’d want to rollover your 403b to an IRA. Greg will discuss a few reasons as to why it could be advantageous to you and your situation.

Lastly, stay tuned to the end as Greg will entice you with an offer that he hasn’t made on any of his podcasts to date.

Resources in the podcast…

TIAA Traditional – Watch OUT! (

Age 59 1/2 In-Service Withdrawals (

What is Brokeragelink? (

📆 Jump on my calendar ( to see how we can improve your higher ed retirement plan.

S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation….(read more)

LEARN MORE ABOUT: IRA Accounts

INVESTING IN A GOLD IRA: Gold IRA Account

INVESTING IN A SILVER IRA: Silver IRA Account

REVEALED: Best Gold Backed IRA

If you have a 403b retirement plan through your employer and are considering a change, you may be wondering about the process of rolling over your 403b to an Individual retirement account (IRA). There are a few factors to consider when making this decision, and it’s important to weigh the pros and cons before taking any action.

One of the main reasons individuals choose to rollover their 403b to an IRA is to gain more control over their retirement savings. With a 403b, your investment options are limited to what your employer offers through the plan. By rolling over to an IRA, you have the ability to choose from a wider range of investment options, including stocks, bonds, mutual funds, and more. This flexibility can provide the opportunity for potentially higher returns and better alignment with your investment goals.

Another advantage of rolling over to an IRA is the potential for lower fees. 403b plans often come with administrative and management fees, which can eat into your investment returns over time. By choosing an IRA with low-cost investment options, you can potentially save on fees and keep more of your money working for you.

Additionally, rolling over to an IRA can simplify your retirement savings. If you have multiple retirement accounts from previous jobs, consolidating them into a single IRA can make it easier to manage and track your investments. This can also help you avoid any potential penalties for overlooking an old retirement account.

Before making the decision to rollover your 403b to an IRA, it’s important to consider any potential drawbacks. If you have a specific need for the funds in your 403b, such as a loan or hardship withdrawal, you may lose access to those options by rolling over to an IRA. Additionally, some 403b plans offer unique benefits, such as the ability to make after-tax contributions, which may not be available in an IRA.

If you decide that a rollover to an IRA is the right move for you, the process is relatively straightforward. You will need to open an IRA account with a financial institution of your choice and initiate the rollover process. It’s important to follow the IRS rules for rollovers to avoid any potential tax consequences. In most cases, you can either have the funds transferred directly from your 403b into the IRA, or you can receive a check and then deposit the funds into the IRA within 60 days to avoid any tax withholding.

Overall, a rollover from a 403b to an IRA can be a beneficial choice for many individuals looking to gain more control over their retirement savings, lower fees, and simplify their investment management. However, it’s important to carefully weigh the potential advantages and disadvantages before making any decisions about your retirement accounts. Consulting with a financial advisor can also provide valuable guidance as you consider your options.