A 403(b) plan is a tax advantaged retirement savings plan available for public
organizations and self-employed ministers. It has tax treatment extremely similar to a
401(k) plan.

Employee salary deferrals into a 403(b) plan are made before income tax is paid on it,
and allowed to grow tax deferred until the money is taxed as income when taken out
of the plan.

Beginning in 2006, 403(b) and 401(k) plans may also include designated Roth
contributions, i.e., after-tax contributions, which, if certain requirements are met, will
allow tax-free withdrawals. Primarily the designated Roth contributions have to be in
the plan for at least five taxable years.
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