This is from Jack Waymire of Paladin Research & Registry:  “The Ins and Outs of 403(b)’s by one of our 5-star Advisors, Martin A. Federici Jr. “Find an experienced 403(b) financial advisor who works for an RIA firm, earns his/her money from fees (NOT commissions) and has the heart and demeanor of a teacher, NOT a salesman.” http://bit.ly/GPDvZ1” 403(b)s – The Ins and Outs and Some Know-How