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I retired this year and transfered my pension funds
to the employee savings plan as a holding place
while I educated myself.
Because you did this I don't think you can use 5 or 10 year averaging on a Lump Sum Distribution. You could have used a 4972 on each of the different kinds of plans and gotten your money out pretty cheap. Now you'll pay full ordinary tax on any distributions that don't go into an IRA. In some instances the LSD is preferrable to an IRA, but depends on MANY factors. Ed
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