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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. 

Welcome to the Hotel AXA/Equitable 🏨

October 27, 2020

It's not such a lovely place.

403(b) "How It Started 😫 How It Ended πŸ˜€" Stories

October 20, 2020

Happy endings.

Teachers Helping Teachers πŸ”

October 13, 2020

The 403bwise Facebook flywheel.

457 Heaven πŸ˜‡

October 6, 2020

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

Making 403(b) Lemonade πŸ‹βž‘οΈπŸΈ

September 29, 2020

403bwise community answers the call.

403(b) Lemon Challenge πŸ‹

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. πŸ•΅πŸ½β€β™€οΈ

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 βœ…

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 πŸ‡ΊπŸ‡Έ

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.

Facebook Group Share

June 8, 2020

Poster is in the Vanguard.

403bwise Palooza πŸŽ‰

Events? We got 'em.

Minneapolis and What We Teach πŸ“š

June 2, 2020

Time for truth.

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

May 26, 2020

Sheep in wolf's clothing.

Pennsylvania 403(b) Unicorn πŸ¦„

May 18, 2020

Should be a herd.

Hey Pennsylvania K-12 Teachers: The Insurance Industry Just Made Your 403(b) Plans Worse πŸ‘ŽπŸ½

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 πŸ’₯

April 27, 2020

We are teaching up a storm.

Facebook Group Share

April 27, 2020

CalSTRS Pension 2 vs. Vanguard?

Crisis Mandates School Districts Fix 403(b) Now πŸ”§

April 21, 2020

Low hanging fruit as teacher furloughs and layoffs loom.

403(b) Escape Hatch? πŸ”

April 14, 2020

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

In Praise of Teachers πŸ™ŒπŸ½

April 7, 2020

Quarantine reveals what many teachers alway knew.

403bwise Turns 20 πŸŽ‚

March 31, 2020

An amazing journey.

Facebook Group Share

March 25, 2020

Help assessing vendor list.

Teachable Moment πŸ‘¨πŸ½β€πŸ«

March 24, 2020

So that just happened.

Facebook Group Share

March 17, 2020

Moving from AXA.

Historical Perspective πŸ“œ

March 17, 2020

A look back.

Facebook Group Share

March 10, 2020

Help with vendor list.

The Annuity Letter (Annotated) πŸ“„

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 πŸ‘πŸ½

February 26, 2020

Forty teachers get wise to the 403(b).

Keeping it πŸ’―

February 20, 2020

100 podcasts strong.

The Most Important Class πŸ†

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 πŸ™…πŸ½β€β™‚οΈ

January 24, 2020

Truth tellers not welcome.

Lights, Camera, Advocacy Action! πŸŽ₯

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? πŸ“°

January 17, 2020

That will be the day!

Power of 403(b) Group Contracts πŸ’ͺ🏽

January 15, 2019

It's simple economics.

(Our) Facebook (Group) is Fantastic πŸ¦„

January 10, 2020

What an ecosystem!

The Wall Street Journal Impeaches the NEA πŸ‘©πŸ½β€βš–οΈ

January 7, 2020

Teachers should too.

How the TPA Grinch Stole the 403(b) πŸŽ„

December 17, 2019

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

Big Hurray for UTLA! πŸŽ‰

December 10, 2019

A union that gets importance of helping teachers.

What a Thanksgiving Game! πŸ¦ƒ

December 3, 2019

Roll, baby, roll!

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

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.Β Β 

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 πŸ’©

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 πŸ‘©πŸ½β€πŸ’ΌπŸ‘¨πŸ»β€πŸ’Ό

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. πŸ„πŸ½β€β™‚οΈ

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 πŸ’¨

August 6, 2019

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

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

July 29, 2019

Texas strips away 403(b) protections

Big News at 403bwise πŸ“°β—οΈ

July 4, 2019

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