In most cases, the direct transfer is the best 403b IRA rollover option, as you won’t have to worry about handling the money yourself or about whether or not you’ll be able to complete the rollover in time to receive your 20% mandatory withholding back. For this reason, it’s a good idea to discuss your entire 403b IRA rollover options with your financial advisor in order to fully understand all of the rollover rules and regulations surrounding your 403b IRA rollover. Of course, in the case of a direct rollover, you can rest a little easier, as the bank will handle the entire process without your involvement. (more…)