In this Washington Retirement Planning Podcast episode, I share actionable strategies to get the most out of your 403(b) retirement account. Learn about contribution limits, creative funding techniques, and tax-efficient setups like Roth 403(b)s. I also explain how to choose the best providers, optimize investment options, and navigate hidden benefits like the 15-year catch-up rule. Plus, I address a listener’s question about health insurance options for early retirees. Tune in to maximize your retirement savings and ensure a secure financial future!
0:00 – Introduction: Why 403(b) plans matter
0:30 – Key strategies to maximize your 403(b) contributions
1:55 – Understanding annual contribution limits and catch-up options
3:06 – Creative ways to fund your 403(b) using existing savings
3:58 – Timing contributions with extra income like coaching or bonuses
6:10 – Getting the right 403(b) plan from the start
6:55 – Choosing the right investments
7:56 – 403(b) loan provisions
8:42 – Tax considerations: Pretax vs. Roth contributions
12:17 – Question: Health insurance, Medicare
15:54 – Health insurance options for retirees under 65 (PEB and beyond)
16:33 – Free guides to accessing and transferring 403(b) funds
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