Consolidating 403b accounts
I really don't want to pull money completely out until we might need it.
2) Fees, usually one account is the cheapest to have, and it is also the cheapest way to invest as there are often breaks in fees depending on your holding size. Generally speaking from the point of ease to monitor and simplification, it often makes sense to consolidate as many same type accounts into one, if and when possible.
If they are all retirement accounts, such as 401k, 403b, IRA, etc.
This is not a "black and white" answer, as indicated by the responses thus far.
I am assuming that your retirement accounts are a combination of 401k's and IRA's.
Finally, while you will not have your benefits reduced for taking them before you reach full retirement age, a portion of the benefits is likely to become subject to federal income taxes due to your earned income.
To make my answer as clear as possible I'm going to assume that all of your accounts are either IRA's or 401(k)'s and share the same tax treatment.
Teachers have to be careful about back-end fees that may come from getting out of their 403(b) investment vehicles.
There is no reason to move, however, unless you are moving with the purpose of changing your investments or reducing investment expenses.
By delaying benefits, whether it is for months or years, you will be increasing your future benefit.
You will also be increasing the benefit your spouse will receive if she survives you.
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