[lysate]

My wife and I are covered by defined benefits retirement plans (State of North Carolina). In addition, we have been contributing (pre-tax, not matched) to 403b plans at Fidelity. In several years, we will reach "full retirement" benefits under the state plan. In the event that we actually retire (late 50's-60 years old), can we delay disbursement of the fidelity 403b monies? An, if so, can we can continue to contribute to the Fidelity accounts? We won't have salaries, as such, only retirement benefits, so the concept of "pre-taxed" income is a bit cloudy...we will be taxed on our retirement...but, I doubt there is anyway to reduce the distribution by having it sent to Fidelity.

Clearly, I'm not real clear on this.

Can we contribute to the Fidelity plans on our own...or do we need to roll our 403b plans into an IRA (before this year is up) Still, it seems like mixing pre tax and taxed money, so I am probably thinking about this wrong?

Thanks for any advice