Lori, I have a suggestion to make for your accounts.
I think you should just take the tax hit (if any) and move your investments to either Vanguard or Fidelity. I took a look at what TRP has to offer and you can make a decent portfolio there using a few index funds. However, I didn't find all the funds I was looking for and their expenses are 2 or 3 times higher than the same type of funds at Vanguard or Fidelity. It appears that the difference in cost is small (less than 1%) but over many years, this can add up to a significant amount of money. So I think you should just pull the bandaid off and move your assets and get things set up for good low cost long term investing.Medical center 401(a) vested balance $11,600
<-- I've not be able to find any consistent answer about where this 401(a) money can be rolled. Apparently, it can go into tIRA or Roth IRA, but a better choice would be to roll it into another employer plan (more on this later). But different sources are saying different things, so this is a little up in the air right now.Medical center (b) vested balance $17,800 and Mass Mutual 403(b) vested balance $63,900
<--I know your current preference would be to roll this to tIRA. However, this will prevent you from doing what is known as "back door contributions to Roth IRA" in the future. Since getting some part of your assets into Roth status is important, I think you should try to preserve your ability to use the back door and you would do this by rolling both 403bs and the 401a (if allowed) into your new work plan when it becomes available to you next year. This link will help you understand what the back door it. http://thefinancebuff.com/the-backdoor- ... ow-to.htmlMass Mutual 457(b) vested balance $35,800 (mostly cash)
<--since your current (and presumably future) employers will not be offering a non-governmental 457(b), this is probably going to have to be a legacy account. Edit: I'm assuming from what you wrote that this is a non-governmental 457(b).
Your choices are to leave it where it is (fine as long as the expenses are low) or cash it in and pay the taxes on it. If the expenses are low, you can leave it and just consider it part of your emergency and/or house money (remembering that over a third of the value belongs to various governments). If you see your income and tax bracket going up in the future, you might as well just cash it in now. It could go toward loans or the emergency and/or house money.
That leaves you with 5 accounts to work with right now. How you invest them depends on what is available in the 401a and 2 403bs. Please edit your first post to include the lists of things available (name, ticker if any, expense ratio). From those lists, we can figure out your best investment plan until you can move these into your new employer plan in a year.
Roth IRA $45,000
Medical center 401(a)$11,600
Medical center 403(b) $17,800
Mass Mutual 403(b) $63,900HSA (ACS|BNY Mellon) $6800 in checking, can no longer contribute, not sure if I can switch it to an investment account, I don't use it.
<---As I understand it, this is pre-tax money and you can use it for medical expenses and never pay tax on that money. If that is correct, there is no reason to move the money (although you might invest it differently). Are you allowed to invest it in mutual funds? If so, it would be helpful to have an idea of what is available.
6. If I'm not eligible to contribute to an employer retirement account this year, what should I do instead?
Ordinarily, the answer would be to make deductible
contributions to tIRA to reduce your taxable income. However, in order to preserve your ability to use the back door to Roth, I would contribute to Roth IRA for this year. And save for a house. Or pay more on the loans.
7. I realize professional help would likely be useful. Who/what do I look for? (I've previously done by own taxes with turbotax)
If you have used turbotax, there is no reason to believe you can't do that in the future. Or at least give it a try. If necessary, use an accountant one year and do turbotax at the same time. Work with the two until you figure out how to do it on your own.
Let's try to get a handle on your real taxable income next year. A quirk in how the law changed earlier this month has made the 35% bracket very very narrow for single filers. So you could jump from 33% bracket to 39.6% bracket by adding only $1651 in taxable income. Wonky indeed. Do you have reason to believe your taxable income can't possibly be above $398,350 this year?
The reason you need to get a grip on this year's taxable income is to try to avoid pushing yourself into the 39.6% bracket as you sell the things in your taxable account and cash in the 457b. This might be a reason to leave the 457b in place, at least until next year.