If you're a teacher, school administrator, or public employee, chances are you've spent years contributing to a 403(b) or 457(b) plan — and you may have no idea what to do with it when you retire, change jobs, or simply want more control over your financial future. You're not alone. Millions of educators are sitting on retirement accounts they don't fully understand, often locked into high-fee, low-performing annuity products chosen by their school district — not by them. T