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Re rolling 401-K into an IRA: If you retired age 55 or older, but are not yet 59-1/2, be aware that you can pull money from your 401-K without the 10% income tax penalty, which you cannot do from an IRA without incurring the 10% penalty. (You can also pull equal life-time installments from an IRA where no 10% penalty is accessed, but I'm talking strictly about pulling out irregular sums prior to age 59-1/2.)
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