EP 17 – How To Maximize Your 403b

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

Check out these too:

  1. ⁠⁠⁠⁠⁠⁠Free Washington Retirement Planning Community⁠⁠⁠⁠⁠⁠

  2. ⁠⁠⁠⁠⁠Plan 3 Investment Advice⁠⁠⁠⁠⁠

  3. ⁠⁠⁠⁠⁠Schedule Meeting⁠⁠⁠⁠⁠

  4. More free resources at ⁠⁠⁠⁠⁠WATRSPERS.com⁠

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