A 403(b) is a tax-advantaged retirement plan for employees of public schools and nonprofit organizations. Employees can make contributions from their paychecks and let the earnings grow tax-deferred until withdrawn in later years.   Understanding the tax implications of a 403(b) account can help you determine the best time to withdraw funds. The following guidelines can help.   Tax Implications of a Traditional or Roth 403(b) Consider the tax implications when deciding whethe