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Currently in possession of four accounts at TIAA brokerage. Work in higher ed, and have spent my career at two universities (one current, one former). This industry for the most part uses TIAA as its retirement provider through either optional retirement plans or 403B accounts. My situation:
Account 1: Current employer ORP, pre-tax benefit, no match from company. (Value: $14k)
Account 2: Roth IRA, not tied to job but at same brokerage (Value: $10k)
Account 3: Former employer ORP (Value: $46k)
Account 4: Former employer 403B (Value: $29k)
Accounts 3 and 4 I can move or rollover as I see fit, but both plans are pre-tax money. I plan on staying in this career for the duration but will probably if not likely have several more universities that I work for throughout. Is it best suited to leave as is or diversity accounts 3 and 4 to a different brokerage/provider?
Account 1 has no match because I have been contributing to state pension plan and am vested there.
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