Last month, Miss Happ, age 54, fell off a ladder while chang…

Last month, Miss Happ, age 54, fell off a ladder while changing a light. She broke the light and her hip. She had surgery and a week long stay at the hospital. Toward the end of the week, she realized that she had forgotten to mail in her health insurance premium and her policy had lapsed. When she was discharged, shock from the size of her hospital bill nearly put her back into the hospital. She has a Section 457 plan with her employer with a balance that slightly exceeds her hospital and doctor bills. Miss Happ

August Winter has a tax deferred annuity (TDA) at her place…

August Winter has a tax deferred annuity (TDA) at her place of employment. Currently, she has almost 80% very conservatively invested. She wants to reallocate her plan assets so that only 10% is very conservatively invested and the remainder is invested in moderate- to high-risk investments. To make sure the fund transfer is not a taxable event