403b Integrity App

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The next time a salesperson is on your campus selling District retirement plans, use this app to ask them these 7 key questions. A fiduciary advisor offering a low-cost plan, without hidden fees or surrender charges, will gladly answer all seven. But if someone is trying to sell you a TSA with big commissions (for them) and high fees and charges (for you), it's better to discover that now than to have a painful and costly surprise years in the future...
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What type of District retirement plan are they asking you sign up for?* This field is required.
Variable Annuity TSA
Fixed Annuity TSA
Equity Indexed Annuity TSA
Variable Annuity 457
Custodial 457
Custodial 403b7
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What is their highest professional designation or license?* This field is required.
Life Insurance Agent
Registered Rep
Investment Advisor Rep
Certified Financial Planner®
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In which type of investments will their plan invest your salary deferrals?* This field is required.
Subaccounts in an annuity or TSA
Mutual funds in a custodial 403b or 457 account
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How many investment choices are available on their plan's menu?* This field is required.
20 choices or less
21 to 49 choices
50 choices or more
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Aside from fund expenses charged on those investments, what is their total Annual Account Fee or "Mortality and Expense Charge"?* This field is required.
Less than 1.00%
1.00% to 1.35%
1.36% or higher
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If you're unhappy and leave their plan within 365 days, how much of your current balance will you lose (to surrender fees or withdrawal charges) by transferring to another District plan?* This field is required.
9.0% or more
1.0% to 8.9%
Only a transfer fee of $100 or less
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How much upfront commission will this salesperson earn if you open an account with their retirement plan?* This field is required.
6.0% or more
3.0% to 5.9%
1.0% to 2.9%
No commission is paid.
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A perfect score is 100. Scores below 70 may indicate the plan does more for the salesperson than for you, the investor. If you're still searching for a good plan in your District, here a number of options to explore...
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You can either view our recent YouTube on the top 7 plan providers, or schedule a complimentary Zoom consultation with one of our Investment Advisors:* This field is required.
REVIEW: The Top 7 Providers
FREE 15-minute Discovery Chat
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The Top 7 Retirement Providers For Teachers
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If you'd like to schedule a complimentary 15-minute Discovery Chat (either by phone or by Zoom) to discuss your District retirement options with one of our Investment Advisors, simply click the scheduling link below:

iwaplan.com/scheduling

This document is not intended as investment advice and is for educational purposes only. Investment advice offered by Integrity Wealth Advisors, a Registered Investment Advisor.
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