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I'm sorry if I haven't asked my question clearly enough.

I know the general rule is supposed to be 59 1/2. What I am looking to find out is the exact date that the penalty no longer applies. Is it the day one reaches 59 1/2, the day after, the first of the month after that date or some other arbitrary date?

I am looking for the date that would make me 100% positive that a withdrawal made around age 59 1/2 will not trigger a 10% additional tax penalty. I am still in the planning stage, but want to nail down this detail so I don't make a costly mistake based on an incorrect assumption on my part.

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