One of the most significant improvements on 403(b) plans is the requirement that employee/participants have several choices on where to invest their individual accounts. The downside is that many people don’t feel qualified to evaluate the merits of their investment options and need professional guidance. Districts would be well served to offer the services of expert, trustworthy advisors. Meanwhile, here are some important considerations for assessing retirement plan options:

Think Conservative The old rule of thumb was that the closer you were to retirement age, the more