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Accessing Your 401(k) Retirement Plan Funds Using 72(t)

Relevant questions to ask and learn about accessing your 401(k) retirement income using a 72(t) distribution without penalty.

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Do I have to “rollover” my money to an IRA retirement plan to access my money through a 72(t) distribution?

The answer is no, but in many cases, we recommend that you do. An employer sponsored IRA retirement plan often carries restrictions on withdrawals and limited investment options, as well as other considerations.

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Can I work or receive other income while using a 72(t) exemption?

When using a 72(t) exemption, the IRS is only concerned with the account sending the payments, and your employment status and other income is irrelevant.

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