For many educators, a 403(b) is something they signed up for years ago and haven’t revisited since. Not because it doesn’t matter, but because it can feel complicated, unclear, or easier to ignore than to untangle.
If you’ve ever wondered whether your 403(b) is still the best option available to you, or if there’s a simpler next step you should be taking, you’re not alone.
That uncertainty is exactly why we created the 403(b) X-Ray.
Why 403(b) Plans Deserve a Second Look
Unlike many workplace retirement plans, 403(b)s often come with multiple providers, varying fee structures, and rules that differ by school district. Over time, that can lead to higher-than-expected fees, limited investment choices, or restrictions you may not even realize exist.
The challenge is that most statements don’t clearly explain what you’re paying or how flexible your account really is. Without a clear review, it’s difficult to know whether your current plan still serves you well.
What the 403(b) X-Ray Is
The 403(b) X-Ray is a straightforward, plain-English review of your existing account. It’s designed to give you clarity, not sell you something new.
Each X-Ray includes:
A review of your all-in annual fees
Identification of any surrender charges or restrictions
A clear look at your current investments
The simplest next step available within your specific school district
A professional recommendation you can use however you choose
Our focus is understanding what you already have and helping you see your options clearly.
How the Review Works
We’ve intentionally kept the process simple:
You send us your most recent 403(b) statement
We review it and deliver your personalized X-Ray within 48 hours
You receive one clear recap outlining what we found and what it means
There are no product pitches, no follow-up emails, and no obligation to move forward. If you want help implementing changes or asking questions, you can schedule a conversation. If not, that’s perfectly fine.
Who This Is Designed For
The 403(b) X-Ray is designed for educators who want clarity and a specific next step based on their school district’s options. It’s not intended for those looking for general financial tips or who aren’t ready to review an actual statement.
Why This Small Step Can Matter Long-Term
Even modest differences in fees or investment structure can have a meaningful impact over time. A simple review now can help ensure your 403(b) still aligns with your goals and isn’t quietly working against you.
Sometimes the most valuable change isn’t a complete overhaul — it’s understanding what you already have.
Limited Availability
To keep each review personal and thorough, we’re limiting the 403(b) X-Ray to 15 participants, and the window closes January 31, or when all spots are filled.
Educators who would like a review can submit their most recent 403(b) statement to gibson@flickfinancial.net.
Clear information. No pressure. A simpler path forward. Are you ready?