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Subject:  Withdrawal Options at 59 1/2 Date:  9/20/2013  2:14 PM
Author:  Earble Number:  119174 of 124780

Earlier this month, I turned 59. So next March I'll turn 59 1/2. (See, my math degree is still worth something.) I'm doing some advance planning, and I have a few questions about withdrawing from retirement accounts.

I retired early two years ago, and am currently withdrawing money monthly from a traditional rollover IRA, doing SEPP via rule 72(t). These will continue for another three years. I also have a Roth IRA and a 403(b) account.

My questions:

1. Can I withdraw any additional money from the traditional IRA (the one I'm taking SEPPs from) when I turn 59 1/2?

2. Can I withdraw from the Roth IRA or the 403(b) while taking SEPPs?

3. If so, must I wait until the date that I turn 59 1/2 (i.e. 3/5/14), or can I start wihdrawing at the beginning of 2014?

Happy to RTFM if you point me to the proper pubs
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