Rule of 55: Smart 401(k) Withdrawals Before 59½ скачать в хорошем качестве

Rule of 55: Smart 401(k) Withdrawals Before 59½

CONNECT WITH A VETTED FINANCIAL ADVISOR HERE: https://smartasset.com/retirement/fin... Thinking about early retirement at 55–58? Learn how the 401(k) Rule of 55 can unlock penalty-free withdrawals, when it applies, and how to avoid costly mistakes. In this video, Brian Bourque of SmartAsset explains the Rule of 55: If you separate from your employer in or after the year you turn 55, you may take withdrawals from that employer’s 401(k) or 403(b) without the 10% early withdrawal penalty. We'll cover eligibility, timing, plan-specific rules (lump sum vs. periodic payments), taxes and withholding, and how to sequence withdrawals with other assets to manage your tax bracket. You’ll also see examples (consulting at 57, delaying to January), alternatives like SEPP, and strategy choices high-net-worth investors weigh when deciding to keep funds in-plan or roll to an IRA. Remember: penalty-free isn’t tax-free, ordinary income taxes and potential state taxes still apply. Chapters include the key pitfalls (rolling to an IRA too soon), planning ideas (spreading distributions, coordinating deductions, Roth conversions in low-income years), and using the Rule of 55 as a bridge before Social Security and Medicare. 00:00 – What is the Rule of 55 and How Does it Work? 00:19 – Meet Brian Bourque and SmartAsset 01:05 – What Is The Rule of 55? 02:01 – Eligibility, Timing and Separation 02:49 – Taxes, Withholding and Bracket Management 03:46 – Using the Rule of 55 to Fund an Early Retirement 04:19 – Real-World Examples 04:49 – Alternatives: SEPP and Other Exceptions 05:26 – Strategy for HNW Investors 06:14 – Quick Recap and Next Steps 07:13 – Connect with a Vetted Financial Advisor Subscribe for more retirement planning tips. Explore the full guide: https://smartasset.com/retirement/401... Find a vetted financial advisor: https://smartasset.com/retirement/fin... Question: Would a single lump-sum withdrawal push you into a higher bracket than spacing payments? Tell us in the comments! Tags: rule of 55, 401k rule of 55, 401k withdrawals before 59.5, penalty free 401k withdrawal, 403b rule of 55, retire at 55, early retirement 401k, avoid 10% penalty, rollover vs stay in plan, sepp 72t, tax planning in retirement, roth conversion strategy, high net worth retirement, retirement income planning, personal finance #ruleof55 #401kwithdrawals #earlyretirement #retirementtaxplanning #smartasset #2025