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But, you bring up something I've been thinking about lately, which is if someone wants to retire before 59 1/2, when the Roth becomes fully distributable, one would have to bridge the gap between the age of retirement and age 59 1/2. So, a regular brokerage account will likely be one of the best vehicles to bridge the gap.

If you have some traditional IRA accounts, that gap could be a good time to convert some to a Roth.

And if you have a 401k plan, you can access that money without any penalties if you retire from that company after you reach 55. So that could be another source of funds for someone retiring between 55 and 59.5 years of age.

To do that, you have to be making the withdrawals from the 401k plan itself. So you can't roll the money out and into an IRA.

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