You should really look closely into the 72(t) option to avoid the penalty. You don't have to put your entire account into the 72t. You can put part of your IRA account into it, or open up several 72t's. Since you are close to 59-1/2, I believe you can structure your IRA's for a partial transfer to a 72(t)account and structure withdrawals for a short term of years until you hit 59-1/2. You might want to talk to a full service broker about this.
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