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Scott fields questions on: 1) "normal" timeframe between payroll deduction and contribution showing up in account; 2) Managing an Equitable to Vanguard transfer; 3) Fidelity direct or through Aspire?; 4) Roth 403(b) vs. Roth 457(b)?; 5) Can you contribute maximum to a 403(b) over six-month time period? Video of Podcast 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott walks through the myriad of hoops and the substantial savings that can be achieved when exiting a high-cost 403(b) plan Breaking Up Is Hard To Do (article) How To Get Out of a Bad 403(b) How To Get Out of Equitable/AXA 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

This is a recording of a live September 22, 2026 403bwise Event hosted by Lucretia Ryan of Financial Freedom for Women.  Video of Pod Financial Freedom for Women Contact Lucretia 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Lucretia Ryan of Financial Freedom for Women details how she helped a private school improve its 403(b) plan.  Video of Pod Financial Freedom for Women Contact Lucretia Next Gen Personal Finance 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Chris Tobe, MBA, CFA, CAIA, and author of "Could Teachers' Annuities Be the Next Casualty of the LA Dodgers Insurance Unwind?" joins us to discuss the unholy NEA/Security Benefit alliance.  Video of episode Chris Tobe Could Teachers' Annuities Be the Next Casualty of the LA Dodgers Insurance Unwind? Part 1 of our recent look at the NEA/Security Benefit alliance  (pod) A Tale As Old As Time (podcast about $300,000 Kansas election donation) Pablo Torre Finds Out About the Los Angeles Dodgers (YouTube) 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We dig into the long-standing (25 years!) unholy alliance between the NEA and the financial firm Security Benefit. It's a relationship that we believe hurts teachers. Dan also talks about meeting Johnny Rotten and seeing his post-Sex Pistols band Public Image Limited the night before recording this episode.  Video of this pod 23 Financial Mistakes You Can't Afford To Make (NEA) Original NEA Valuebuilder Expose (from 12/2001) When NEA Was Sued For Selling High Cost Retirement Products To Its Members NEA and Security Life Disclosures A Tale As Old As Time (podcast about $300,000 Kansas election donation) 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Our guest today recently passed the 7-hour, 170-question CFP exam. Additionally, he runs a fin lit website that helps educators teach personal finance and he also operates a robust personal finance YouTube site called Easy Peasy Finance that has close to 46,000 subscribers. I should mention he started making fin lit videos at age 7 and he passed the CFP exam at age 16. He is now 17.  Video of Podcast Easy Peasy Finance Easy Peasy YouTube Channel 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We walk through all the free resources 403bwise offers. This episode may best be experienced through the video link.  Video of Podcast 403bwise.org 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott tackles questions on: withdrawing money from a 403(b) plan at age 59 1/2; quality of Lincoln National Life Group and Plan Member Services 403(b) offerings; time it takes for a 403(b) rollover to Vanguard IRA; the Ohio Deferred Comp 457(b) plan; best choice for Vanguard settlement fund.  Video of Podcast 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We speak with two late-start savers who are now either retired or soon to be retired. One never made more than $100,000 a year and one is an emergency room doctor.  Catching Up to FI F.I.R.E. for Dummies 403bwise/457bwiser Facebook Group  457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Lincoln Investment's RetirementSolutions Participant Directed Account has long been the only low-cost 403(b) option for teachers, especially in New Jersey. All of that is going away. Pittsburgh teacher Adam Holy, who fought to get the Participant Directed Account available years ago, discusses what loss of this option will mean in his district. Scott offers some fixes for districts losing this low-cost option.   Pittsburgh Teacher Gets Low Cost Option (pod with Adam) When Bad Vendors Offer Good Choices 403bwise/457bwiser Facebook Group  Pittsburgh School District 403(b) Choices Learned by Being Burned (episode 3) 457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

A Riverside, California teacher was interested in learning about a 403(b). He met with a NLG sales agent via Zoom. Suddenly forms were filled out and electronically signed. Video of episode Riverside Unified School District 403(b) Vendor List 403bwise/457bwiser Facebook Group  457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

We all like individualism but individual 403(b) contracts make it difficult for school districts to reform their 403(b) plan. There is a solution.  Recipe for Going Single Vendor (Learned by Being Burned Episode 5) Individual Plans vs Group Contracts Explainer 403bwise/457bwiser Facebook Group  457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

With vendors like Equitable and National Life Group, what could go wrong? Watch video version ASBO "Model" 403(b) Plan Choice Still Matters — Bringing Clarity to the Modern 403(b) Landscape 403bwise/457bwiser Facebook Group  457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

Scott tackles July Facebook Group questions. Topics include rolling over a 403(b) when leaving a job; Moving from Equitable to Aspire; Roth IRA vs. Roth 403(b); Performing a 403(b) exchange to a CalSTRS P2 403(b); and What to do with a 403(b) upon retirement.  Watch video version Barb O'Neill columns How to Use Aspire Non-Advisor Option 403bwise/457bwiser Facebook Group  457bwiser.org Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management 403bwise & 457bwiser Facebook Group Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).