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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 on‑again, off‑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. 

Dear New Teachers ✍️

July 27, 2021

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

Thank You, Ron Lieber 👏

July 20, 2021

Difference maker.

NGPF-403bwise Collaboration 🤝🏼

July 13, 2022

Two great financial literacy initiatives.

California Teacher Retiree Data 📊

June 22, 2021

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

How to Make Money in the U.S. Stock Market 💰💰💰

June 15, 2021

It's shockingly simple.

Aspire Makes Sense 🙌

June 8, 2021

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

Thrown to the 403(b) Wolves 🐺

May 25, 2021

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

The Wisdom of Michelle Singletary ✨

May 18, 2021

Money. Kids. Teachers. Financial crisis.

457(b): Savings Plan Unicorn? 🦄

May 11, 2021

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

Save What?! 😨

April 27, 2021

How much should teachers save for retirement?

Four Who Have Retired 👨‍🦳👩🏾👱🏼‍♂️👩🏼🍹

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 💸

April 8, 2021

Teacher driven improvement.

The Power of State Based 457b and 403b Plans 💪

March 24, 2021

When assets are huge costs are low.

Lights, Camera, Kids? 🎬👼👶🏻

March 9, 2021

New 457(b) video is a family affair.

Women & Personal Finance 👩‍💼💵

March 2, 2021

Honest conversations.

Too Many 403(b) Vendors 😤😩😱

February 23, 2021

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

Amazing Women 🙌

February 16, 2021

Lucky to know these four.

Mutating 403(b) Phish 🦠🐠

February 9, 2021

It's getting worse.

Speech & Retire Rich 💬 + 💰

February 2, 2021

SLPs are getting financially wise.

All the Small Things 🐜

January 26, 2021

Small financial moves can have a big impact.

403(b) Sales Shark Repellent 🙅 🦈

January 19, 2021

Saving pre-service teachers from the sales sharks.

Teachers Teaching Teachers... 👩‍🏫 👩🏽‍🏫 👨🏽‍🏫

January 12, 2021

About how to save for retirement.

Getting Better 403(b) Choices 🥇

January 5, 2021

Three teachers share how they did it.

Book Club of One 📚

December 22, 2020

Books I read in 2020.

$65,000 Question 🤔

December 15, 2020

Does this add up?

Arrested Development 👮

December 8 2020

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

How to Use 403bcompare.com 💪

December 1, 2020

Fee transparency (if you know where to look).

403bwise On-Demand Events ⏱

November 24, 2020

Get wise anytime anywhere.

How to Get Out of AXA/Equitable 💸

A crowd-sourced resource.

403bwise Will Come to You 🌎

November 10, 2020

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

Pittsburgh 403(b) No Longer the Pits 🎉

November 3, 2020

Teacher-advocate made it happen.

Welcome to the Hotel AXA/Equitable 🏨

October 27, 2020

It's not such a lovely place.

403(b) "How It Started 😫 How It Ended 😀" Stories

October 20, 2020

Happy endings.

Teachers Helping Teachers 🔁

October 13, 2020

The 403bwise Facebook flywheel.

457 Heaven 😇

October 6, 2020

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

Making 403(b) Lemonade 🍋➡️🍸

September 29, 2020

403bwise community answers the call.

403(b) Lemon Challenge 🍋

September 22, 2020

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

Dear Employer... ✍🏽

September 15, 2020

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

Got Vanguard? How about Aspire? Quickly find out. 🕵🏽‍♀️

New 403bwise resource.

Gone Phishing 🎣 🐠 🐟

September 1, 2020

We caught some whoppers.

What’s That Phishy Smell in Your Inbox? 🎣

August 18, 2020

You've got deceptive email.

Back-to-School Saving for Retirement Checklist for Teachers ✅

August 11, 2020

8 must checks.

AIG Settlement Shows K-12 403(b) Not A-okay 😢

August 2, 2020

What don't we know?

K-12 403(b) Fees are Bigger in Texas ⬆️

July 27, 2020

No masking the problem.

Hamilton Sings About the 403(b) 🎤

July 21, 2020

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

The Wealthy Custodian 😊

July 14, 2020

Healthy, wealthy and wise.

403(b)ill of Rights 🇺🇸

July 4, 2020

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

CITs in the 403(b)? 🎶

June 23, 2020

Music to 403(b) participant ears?

Year One 🧁

June 16, 2020

We have been busy.

403bwise Palooza 🎉

Events? We got 'em.

Minneapolis and What We Teach 📚

June 2, 2020

Time for truth.

When Bad 403(b) Vendors Offer Good Investing Choices 🐑

May 26, 2020

Sheep in wolf's clothing.

Pennsylvania 403(b) Unicorn 🦄

May 18, 2020

Should be a herd.

Hey Pennsylvania K-12 Teachers: The Insurance Industry Just Made Your 403(b) Plans Worse 👎🏽

June 5, 2019

Act 5 hurts teachers.

Aspire to be in the 403(b) Vanguard 🏹

May 12, 2020

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

K-12 Benefits Officials Fail This Test 😩

May 5, 2020

It should be easy.

403(b) Zoom Boom 💥

April 27, 2020

We are teaching up a storm.

Crisis Mandates School Districts Fix 403(b) Now 🔧

April 21, 2020

Low hanging fruit as teacher furloughs and layoffs loom.

403(b) Escape Hatch? 🔐

April 14, 2020

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

In Praise of Teachers 🙌🏽

April 7, 2020

Quarantine reveals what many teachers alway knew.

403bwise Turns 20 🎂

March 31, 2020

An amazing journey.

Teachable Moment 👨🏽‍🏫

March 24, 2020

So that just happened.

Historical Perspective 📜

March 17, 2020

A look back.

The Annuity Letter (Annotated) 📄

March 10, 2020

A fiduciary advisor responds to an annuity huckster.

Annuity Huckster Outbreak 🦠

March 4, 2020

No crisis off limits for some.

Model 403(b) Education 👍🏽

February 26, 2020

Forty teachers get wise to the 403(b).

Keeping it 💯

February 20, 2020

100 podcasts strong.

The Most Important Class 🏆

February 12, 2020

Sadly, most will never take.

700 Club❗️

February 5, 2020

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

When They Go Low ⬇️

January 29, 2020

We enlist our creative friends.

Banned by the NTSA 🙅🏽‍♂️

January 24, 2020

Truth tellers not welcome.

Lights, Camera, Advocacy Action! 🎥

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? 📰

January 17, 2020

That will be the day!

Power of 403(b) Group Contracts 💪🏽

January 15, 2019

It's simple economics.

The Wall Street Journal Impeaches the NEA 👩🏽‍⚖️

January 7, 2020

Teachers should too.

How the TPA Grinch Stole the 403(b) 🎄

December 17, 2019

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

Big Hurray for UTLA! 🎉

December 10, 2019

A union that gets importance of helping teachers.

What a Thanksgiving Game! 🦃

December 3, 2019

Roll, baby, roll!

Quid Pro Quo, Dano? Why Would Dan Flynn Gut 403(b) Cost Caps? 💰

November 19, 2019

We have questions.

Thanks to Dan Flynn, Texas Teachers Can't Win 😡

November 12, 2019

More nonsense than you can shake a stick at.

School Districts: You Got the 403(b) Power ✊🏽

November 6, 2019

Take 403(b) control from vendors.

403(b) Gaslighting 101 🎭

October 29, 2019

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

For What It's Worth 2019 🎵

There's something happening here.

An Even Fishier Smell in the Teachers' Lounge 🐟🐠🐡

October 15, 2019

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

Dodgers Are Part of the K-12 403(b) Problem ⚾️

October 9, 2019

Baseball, hot dogs, and high cost annuities.

Why K-12 403(b) Plans Stink 💩

October 2, 2019

It starts with ERISA.

DC Travel Blog: Adventures in 403(b) Advocacy 🧳

September 17-20, 2019

Dan and Scott go to Washington DC

The NTSA Released a 403(b) Plan Enhancement Guide 😱

September 11, 2019

It is as conflicted as you would expect

K-12 403(b) Isn’t Just for Teachers 👩🏽‍💼👨🏻‍💼

September 5, 2019

Don't forget school support personnel.

There is Still a Fishy Smell in the Teachers' Lounge 🐟

August 20, 2019

Beware the free lunch.

California K-12 Teachers Have Great 403(b) Choices.
They Just Don't Know It. 🏄🏽‍♂️

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 💨

August 6, 2019

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

More Adventures in Bad K-12 403(b) Policy as Texas Tells Pennsylvania: “Hold My Beer.” 🍺

July 29, 2019

Texas strips away 403(b) protections

Big News at 403bwise 📰❗️

July 4, 2019

Welcome to the redesigned 403bwise. And it’s not just our look that has been updated.