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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?

Not until your 5 years are up.

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

Yes. From 59 1/2 to January 1 of the year you turn 70 1/2 you are in what I call the golden years of retirement accounts. You can take as much or as little (with the exception of the SEPP account) as you like. Do check with your 403(b) plan to find out what your withdrawal options are. They're free to set rules.

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?

You have to wait. The exact date controls. (I threw a party on mine.)

Rule Your Retirement Home Fool
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