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The K-12 403(b) is broken.
Together we can fix it.
Dan's Blog

Welcome to my blog where I like to crack wise about the 403(b). For 19 years, I wrote an onโ€‘again, offโ€‘again blog called Wise Cracks (see archived posts here). I tried to mix humor with the serious business of improving the 403(b) for teachers.

I plan to do the same with this column, but I plan to do it more frequently. I will do this under the more generic name "Dan's Blog." I chose this new name because it fits better on the home page. That's a joke. But what I write about, hopefully, won't be. 

2021 California Teacher Retirement Pension Payout Data ๐Ÿ“Š

May 24, 2022

12,785 teachers retired in 2021. What was their annual pension payout?

Guest Blog: Catch Up Strategies for Late 403(b) Plan Savers ๐Ÿƒ๐Ÿฝโ€โ™€๏ธ ๐Ÿƒ๐Ÿฝ

May 17, 2022

There is still time and options.

Equitable Says It Appreciates Teachers ๐Ÿค”

May 10, 2022

It sure has a funny โ€” and costly โ€” way of showing it.

Single Vendor Plans Can Stink ๐Ÿฆจ

May 3, 2022

This one sure does.

403(b) Plan Goes from F to a C ๐Ÿ‘๐Ÿ‘๐Ÿ‘

April 26, 2022

It's so easy to do.

Power of AARP ๐Ÿ’ช

April 19, 2022

Organization has reach.

Guest Blog: 403(b) and Income Taxes ๐Ÿ’ฐ

April 12, 2022

Tax impact of 403(b) plans.

403(b) Can Be Fixed ๐Ÿงฐ โš’๏ธ

April 6, 2022

Here's how others have done it.

Great 8 ๐Ÿค— + Big Fat F ๐Ÿค”

March 29, 2022

In a state with much to cheer, one Indiana 403(b) plan goes from D to F.

The K-12 403(b): It's Brutal Out Here ๐Ÿคฎ

March 23, 2022

The K-12 403(b) might be worse than adolescence.

403(b) Agents Dish on How They Hook Teachers ๐ŸŽฃโ˜•

March 15, 2022

The most expensive Starbucks coffee ever.

New Pod Series: Learned by Being Burned ๐Ÿ”ฅ

March 8, 2022

Teachers share how they were sold high-cost 403(b) products and how they are fighting back.

Guest Blog: The Importance of Asset Allocation โš–๏ธ

March 1, 2022

How to achieve it in 6 steps.

Balance โš–๏ธ

February 22, 2022

How to Invest and spend for happiness, health and wealth.

5 Steps Educators Need to Take to Ensure a Successful Retirement ๐Ÿ“‹

February 15, 2022

Important checklist.

California School Districts Can Go Single Vendor ๐Ÿ‘

February 8, 2022

1982 lawsuit paved the way.

Is a Health Savings Account Right for You? ๐Ÿค”

February 1, 2022

Pros and cons.

I Want My NEA Direct Invest ๐Ÿ‘Š๐Ÿป

January 25, 2022

Here's how to get it.

Plan Rating Project Update ๐Ÿ˜ค

January 18, 2022

School districts are failing their employees.

Guest Blog: 403(b) Plans and Age 72 ๐ŸŽ‚

January 11, 2022

ABCs of RMDs and RBDs.

Most Read Stories of 2021 ๐Ÿ“–

December 28, 2021

People really want out of bad 403(b) plans.

Green Light for Single Vendor 403(b) Plans In California? ๐Ÿšฆ

December 21, 2021

UC and Cal State systems show the way.

California Dreaming (of Better 403(b) Plans) ๐Ÿ˜ด

December 14, 2021

Arcane state legislation is to blame for bloated K-14 403(b) vendor lists.

Chicago Public Schools Goes Single Vendor ๐Ÿ˜ƒ

December 7, 2021

Excellent pricing achieved.

Guest Blog: Death and Your 403(b) โšฐ๏ธ

November 30, 2021

You can't take it with you.

Did AIG Just Endorse Single Vendor K-12 403(b) Plans? ๐Ÿคทโ€โ™€๏ธ

November 16, 2021

Are those pigs in the sky?

One Thousand More Reasons to Contribute to a 403(b)/457(b) ๐ŸŽ‰

November 9, 2022

2022 contribution limits rise.

Florida District 403(b): A Closer Look ๐Ÿค”

November 2 2021

Does Broward deserve an F?

Guest Blog: Million Dollar 403(b) Mistake ๐Ÿ˜ฑ

October 26, 2021

What could have been.

Bad K-12 403(b) Vendor Lists ๐Ÿ˜ซ

October 19, 2021

C's, D's and F's

403bwise K-12 403(b) Plan Rating Project ๐Ÿ“‹

October 12, 2021

Is your district on the list? If so, does it make the grade?

What's Cooking at 403bwise? ๐Ÿ‘จโ€๐Ÿณ

September 28, 2021

It's gonna get hot.

5000 Strong ๐Ÿ’ช

September 21, 2021

Nobody comes hereย anymore, it's too crowded.

403bwise Teacher Lounge Makeover ๐Ÿ‘จโ€๐ŸŽจ

September 14, 2021

Real education.

Florida District Prioritizes Furniture Over Teacher Retirement Plansย ๐Ÿ›‹๏ธ

September 7, 2021

Not an Onion story.

CalSTRS Pension Data ๐Ÿ“ธ

April 23, 2022

Snapshot of retiree pension payout.

Principal Who Cares About His Staffโ€™s Financial Future ๐Ÿ’ต

August 17, 2021

Staff gets wise to saving for retirement.

Dear New Teachers โœ๏ธ

July 27, 2021

A few words I wish I had heard all those years ago.

Thank You, Ron Lieber ๐Ÿ‘

July 20, 2021

Difference maker.

NGPF-403bwise Collaboration ๐Ÿค๐Ÿผ

July 13, 2022

Two great financial literacy initiatives.

California Teacher Retiree Data ๐Ÿ“Š

June 22, 2021

Includes average age, years of service, and monthly benefit information.

How to Make Money in the U.S. Stock Market ๐Ÿ’ฐ๐Ÿ’ฐ๐Ÿ’ฐ

June 15, 2021

It's shockingly simple.

Aspire Makes Sense ๐Ÿ™Œ

June 8, 2021

Aspire Financial Services: A 403(b)/457(b) Solution

Thrown to the 403(b) Wolves ๐Ÿบ

May 25, 2021

Some school districts make employees meet with high-cost 403(b) sales agents.

The Wisdom of Michelle Singletary โœจ

May 18, 2021

Money. Kids. Teachers. Financial crisis.

457(b): Savings Plan Unicorn? ๐Ÿฆ„

May 11, 2021

It's real. I have seen it. I have used it.

Save What?! ๐Ÿ˜จ

April 27, 2021

How much should teachers save for retirement?

Four Who Have Retired ๐Ÿ‘จโ€๐Ÿฆณ๐Ÿ‘ฉ๐Ÿพ๐Ÿ‘ฑ๐Ÿผโ€โ™‚๏ธ๐Ÿ‘ฉ๐Ÿผ๐Ÿน

April 13, 2021

Two teachers, a custodian and former account executive share their story.

Updated How to Get Out of a Bad 403(b) Plan ๐Ÿ’ธ

April 8, 2021

Teacher driven improvement.

The Power of State Based 457b and 403b Plans ๐Ÿ’ช

March 24, 2021

When assets are huge costs are low.

Lights, Camera, Kids? ๐ŸŽฌ๐Ÿ‘ผ๐Ÿ‘ถ๐Ÿป

March 9, 2021

New 457(b) video is a family affair.

Women & Personal Finance ๐Ÿ‘ฉโ€๐Ÿ’ผ๐Ÿ’ต

March 2, 2021

Honest conversations.

Too Many 403(b) Vendors ๐Ÿ˜ค๐Ÿ˜ฉ๐Ÿ˜ฑ

February 23, 2021

California school district 403(b) vendor lists are huge.

Amazing Women ๐Ÿ™Œ

February 16, 2021

Lucky to know these four.

Mutating 403(b) Phish ๐Ÿฆ ๐Ÿ 

February 9, 2021

It's getting worse.

Speech & Retire Rich ๐Ÿ’ฌ + ๐Ÿ’ฐ

February 2, 2021

SLPs are getting financially wise.

All the Small Things ๐Ÿœ

January 26, 2021

Small financial moves can have a big impact.

403(b) Sales Shark Repellent ๐Ÿ™… ๐Ÿฆˆ

January 19, 2021

Saving pre-service teachers from the sales sharks.

Teachers Teaching Teachers... ๐Ÿ‘ฉโ€๐Ÿซ ๐Ÿ‘ฉ๐Ÿฝโ€๐Ÿซ ๐Ÿ‘จ๐Ÿฝโ€๐Ÿซ

January 12, 2021

About how to save for retirement.

Getting Better 403(b) Choices ๐Ÿฅ‡

January 5, 2021

Three teachers share how they did it.

Book Club of One ๐Ÿ“š

December 22, 2020

Books I read in 2020.

$65,000 Question ๐Ÿค”

December 15, 2020

Does this add up?

Arrested Development ๐Ÿ‘ฎ

December 8 2020

Owner of major 403(b)/457(b) compliance firm booked.

How to Use 403bcompare.com ๐Ÿ’ช

December 1, 2020

Fee transparency (if you know where to look).

403bwise On-Demand Events โฑ

November 24, 2020

Get wise anytime anywhere.

How to Get Out of AXA/Equitable ๐Ÿ’ธ

A crowd-sourced resource.

403bwise Will Come to You ๐ŸŒŽ

November 10, 2020

Customized events to help colleagues get 403(b) and 457(b) wise!

Pittsburgh 403(b) No Longer the Pits ๐ŸŽ‰

November 3, 2020

Teacher-advocate made it happen.

Welcome to the Hotel AXA/Equitable ๐Ÿจ

October 27, 2020

It's not such a lovely place.

403(b) "How It Started ๐Ÿ˜ซ How It Ended ๐Ÿ˜€" Stories

October 20, 2020

Happy endings.

Teachers Helping Teachers ๐Ÿ”

October 13, 2020

The 403bwise Facebook flywheel.

457 Heaven ๐Ÿ˜‡

October 6, 2020

457(b) > 403(b)? Maybe.

Making 403(b) Lemonade ๐Ÿ‹โžก๏ธ๐Ÿธ

September 29, 2020

403bwise community answers the call.

403(b) Lemon Challenge ๐Ÿ‹

September 22, 2020

Is there a California school district without at least one low-cost 403(b) vendor?

Dear Employer... โœ๐Ÿฝ

September 15, 2020

Here is why we need better 403(b) vendor options.

Got Vanguard? How about Aspire? Quickly find out. ๐Ÿ•ต๐Ÿฝโ€โ™€๏ธ

New 403bwise resource.

Gone Phishing ๐ŸŽฃ ๐Ÿ  ๐ŸŸ

September 1, 2020

We caught some whoppers.

Whatโ€™s That Phishy Smell in Your Inbox? ๐ŸŽฃ

August 18, 2020

You've got deceptive email.

Back-to-School Saving for Retirement Checklist for Teachers โœ…

August 11, 2020 (updated 8.8.21)

10 must checks.

AIG Settlement Shows K-12 403(b) Not A-okay ๐Ÿ˜ข

August 2, 2020

What don't we know?

K-12 403(b) Fees are Bigger in Texas โฌ†๏ธ

July 27, 2020

No masking the problem.

Hamilton Sings About the 403(b) ๐ŸŽค

July 21, 2020

How does a bastard, orphan, grandfather to the 401(k)...

The Wealthy Custodian ๐Ÿ˜Š

July 14, 2020

Healthy, wealthy and wise.

403(b)ill of Rights ๐Ÿ‡บ๐Ÿ‡ธ

July 4, 2021

We the people of the K-12 403(b) plan...

CITs in the 403(b)? ๐ŸŽถ

June 23, 2020

Music to 403(b) participant ears?

Year One ๐Ÿง

June 16, 2020

We have been busy.

403bwise Palooza ๐ŸŽ‰

Events? We got 'em.

Minneapolis and What We Teach ๐Ÿ“š

June 2, 2020

Time for truth.

When Bad 403(b) Vendors Offer Good Investing Choices ๐Ÿ‘

May 26, 2020

Sheep in wolf's clothing.

Pennsylvania 403(b) Unicorn ๐Ÿฆ„

May 18, 2020

Should be a herd.

Hey Pennsylvania K-12 Teachers: The Insurance Industry Just Made Your 403(b) Plans Worse ๐Ÿ‘Ž๐Ÿฝ

June 5, 2019

Act 5 hurts teachers.

Aspire to be in the 403(b) Vanguard ๐Ÿน

May 12, 2020

Learn how to get better 403(b) vendor choices.

K-12 Benefits Officials Fail This Test ๐Ÿ˜ฉ

May 5, 2020

It should be easy.

403(b) Zoom Boom ๐Ÿ’ฅ

April 27, 2020

We are teaching up a storm.

Crisis Mandates School Districts Fix 403(b) Now ๐Ÿ”ง

April 21, 2020

Low hanging fruit as teacher furloughs and layoffs loom.

403(b) Escape Hatch? ๐Ÿ”

April 14, 2020

Thanks to CARES Act 403(b) help may be on the way.

In Praise of Teachers ๐Ÿ™Œ๐Ÿฝ

April 7, 2020

Quarantine reveals what many teachers alway knew.

403bwise Turns 20 ๐ŸŽ‚

March 31, 2020

An amazing journey.

Teachable Moment ๐Ÿ‘จ๐Ÿฝโ€๐Ÿซ

March 24, 2020

So that just happened.

Historical Perspective ๐Ÿ“œ

March 17, 2020

A look back.

The Annuity Letter (Annotated) ๐Ÿ“„

March 10, 2020

A fiduciary advisor responds to an annuity huckster.

Annuity Huckster Outbreak ๐Ÿฆ 

March 4, 2020

No crisis off limits for some.

Model 403(b) Education ๐Ÿ‘๐Ÿฝ

February 26, 2020

Forty teachers get wise to the 403(b).

Keeping it ๐Ÿ’ฏ

February 20, 2020

100 podcasts strong.

The Most Important Class ๐Ÿ†

February 12, 2020

Sadly, most will never take.

700 Clubโ—๏ธ

February 5, 2020

403bwise Facebook group is exploding (in a good way).

When They Go Low โฌ‡๏ธ

January 29, 2020

We enlist our creative friends.

Banned by the NTSA ๐Ÿ™…๐Ÿฝโ€โ™‚๏ธ

January 24, 2020

Truth tellers not welcome.

Lights, Camera, Advocacy Action! ๐ŸŽฅ

January 22, 2020

403(b) explainer and advocacy video.

Headline I Want to See: Is the Vanguard 403(b) getting too big to be healthy for the financial system? ๐Ÿ“ฐ

January 17, 2020

That will be the day!

Power of 403(b) Group Contracts ๐Ÿ’ช๐Ÿฝ

January 15, 2019

It's simple economics.

The Wall Street Journal Impeaches the NEA ๐Ÿ‘ฉ๐Ÿฝโ€โš–๏ธ

January 7, 2020

Teachers should too.

How the TPA Grinch Stole the 403(b) ๐ŸŽ„

December 17, 2019

And the Grinch put his hand to his ear...

Big Hurray for UTLA! ๐ŸŽ‰

December 10, 2019

A union that gets importance of helping teachers.

What a Thanksgiving Game! ๐Ÿฆƒ

December 3, 2019

Roll, baby, roll!

Quid Pro Quo, Dano? Why Would Dan Flynn Gut 403(b) Cost Caps? ๐Ÿ’ฐ

November 19, 2019

We have questions.

Thanks to Dan Flynn, Texas Teachers Can't Win ๐Ÿ˜ก

November 12, 2019

More nonsense than you can shake a stick at.

School Districts: You Got the 403(b) Power โœŠ๐Ÿฝ

November 6, 2019

Take 403(b) control from vendors.

403(b) Gaslighting 101 ๐ŸŽญ

October 29, 2019

Fees don't matter. Single vendor plans reduce participation.ย ย 

For What It's Worth 2019 ๐ŸŽต

There's something happening here.

An Even Fishier Smell in the Teachers' Lounge ๐ŸŸ๐Ÿ ๐Ÿก

October 15, 2019

ValuTeachers hires ex-teachers to sell high cost 403(b)s.

Dodgers Are Part of the K-12 403(b) Problem โšพ๏ธ

October 9, 2019

Baseball, hot dogs, and high cost annuities.

Why K-12 403(b) Plans Stink ๐Ÿ’ฉ

October 2, 2019

It starts with ERISA.

DC Travel Blog: Adventures in 403(b) Advocacy ๐Ÿงณ

September 17-20, 2019

Dan and Scott go to Washington DC

The NTSA Released a 403(b) Plan Enhancement Guide ๐Ÿ˜ฑ

September 11, 2019

It is as conflicted as you would expect

K-12 403(b) Isnโ€™t Just for Teachers ๐Ÿ‘ฉ๐Ÿฝโ€๐Ÿ’ผ๐Ÿ‘จ๐Ÿปโ€๐Ÿ’ผ

September 5, 2019

Don't forget school support personnel.

There is Still a Fishy Smell in the Teachers' Lounge ๐ŸŸ

August 20, 2019

Beware the free lunch.

California K-12 Teachers Have Great 403(b) Choices.
They Just Don't Know It. ๐Ÿ„๐Ÿฝโ€โ™‚๏ธ

August 14, 2019

Vendor lists are long but there is at least one diamond in the rough

Blowing Smoke: More Weak K-12 403(b) Multi-Vendor Arguments ๐Ÿ’จ

August 6, 2019

Industry defends broken K-12 403(b) system.

More Adventures in Bad K-12 403(b) Policy as Texas Tells Pennsylvania: โ€œHold My Beer.โ€ ๐Ÿบ

July 29, 2019

Texas strips away 403(b) protections

Big News at 403bwise ๐Ÿ“ฐโ—๏ธ

July 4, 2019

Welcome to the redesigned 403bwise. And itโ€™s not just our look that has been updated.