Roth vs. Traditional 403(b)

Roth vs Traditional 403(b) contributions can be before-tax or Roth (after-tax) or a combination of the two. Roth contributions are taxed now, but qualified withdrawals, including earnings, are tax-free. When you retire, you owe nothing on years of compounded earnings which may be a significant amount. Before-tax (traditional) contributions reduce your taxable income and payment of […]
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Moving money

In just a few steps, you can consolidate your retirement accounts with Member Benefits.
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Our 403(b) costs

See our program costs listed below. Our costs are much lower than the 403(b) industry average of 1.00%*. An annual minimum account cost of $25 applies to all accounts. The minimum is waived for all accounts with active contributions. Mutual fund management and redemption costs may apply. See Investment Spectrum. *2022 GAO Survey
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yourINCOME PATH

Learn more about yourINCOME PATH, a suite of options to help turn your retirement savings account balance into income during retirement.
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Why choose us?

Because we are a member organization, our 403(b) program is designed with unique qualities that set us apart from other commercial providers. Low costs Low administrative costs that keeps more of your money working for you. The power of group purchasing keeps plan costs low. Low administrative cost based on your account balance. Our costs […]
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Moving money: Your options

Transfers Rollovers Exchanges Conversions Transfers Transfers occur when funds are moved between the same account types, (403(b) to 403(b) or Roth IRA to Roth IRA, etc.) at the same (or different) investment provider. Transfers are not taxable or reported to the IRS.   Example 1: Jennifer worked for Washington School District in 2021, where she […]
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