Of all the types of employer-sponsored retirement plans, 403(b) plans are among the worst. Without a fiduciary requirement, many of the investment options are expensive, high-commission insurance products. That's why the onus is on you to make smart choices. Then, we hear from listeners: To discuss issues with distributions from and taxes on an estate. How to get a portfolio evaluation from us? What do we think of Delaware Stautory Trusts (DSTs)? When should RMDs be taken? What's the bes...