If you don't know or haven't read Matt Hutcheson's work.....you should.
Matthew Hutcheson Testimony
Scott Dauenhauer CFP, MSFP, AIF
A blog devoted to detailing the happenings in the daily life of the Teachers Advocate, Scott Dauenhauer. Scott is a fee-only financial planner who works mainly with school teachers to help them plan safely and effectively for retirement. He has fought hard for teachers rights in retirement plans and has written a book about 403(b) plans.