To 403(b), or not to 403(b), that is the question

There is an excellent article on 403(b) and 457 retirement plans in the July 2012 edition of Kiplinger's (a personal finance magazine).  Every teacher should read the article, and peruse these two websites:

     www.403Bcompare.com 

     and

     www.403Bwise.com 

403(b) plans are typically found in K-12 school districts and other state a local government entities and are similar to corporate America's 401(k) plans.  However, the 403(b) market is referred to as the "Wild West" of retirement systems due to