My next step is to contribute more to my 403b. The question I have is whether I should stick with TIAA or have my future contributions go to Vanguard 403b, my employer offers that option.
In general, it is likely that Vanguard's offerings will cost you less and perform at least as well as TIAA's.
But there is still the very real possibility that the fees charged within the 403b account are higher than one would pay in an IRA. Really do need the specifics of the 403b plan.
Ok what specifically do you need and I will give it all to you?
Every investment option you have in the 403b: ticker symbol, description, and fee charged. E.g., from
Do I need to change anything? - Bogleheads.org:
Fund Name: CREF Money Market Account (R3), Ticker symbol: QCMMIX, Expense ratio: 0.23%
Fund name: CREF Stock Account (R3), Ticker symbol: QCSTIX, Expense ratio: 0.32%
Fund name: TIAA Real Estate Account, Ticker symbol: QREARX, Expense ratio: 0.85%
Fund name: TIAA-CREF International Equity Fund (Institutional), Ticker symbol: TIIEX, Expense ratio: 0.49%
Fund name: TIAA-CREF Lifecycle Index Retirement Income Fund (Institutional), Ticker symbol: TRILX, Expense ratio: 0.10%
Fund name: TIAA-CREF Mid-Cap Value Fund (Institutional), Ticker symbol: TIMVX, Expense ratio: 0.41%
Fund name: TIAA-CREF S&P 500 Index Fund (Institutional), Ticker symbol: TISPX, Expense ratio: 0.06%
If you have what is sometimes called a "brokerage option", cut&paste or scan the description of that.