When it comes to retirement plans, the general rule is that you can’t access funds in your retirement account(s), without penalty, until age 59 ½. If you withdraw funds prior to 59 ½, you’ll get hit with a 10% penalty and income tax (if coming from a non-Roth account). But there are some instances in which you can make withdrawals penalty-free. We’ll dive into this in this episode of Retire with Ryan.

You will want to hear this episode if you are interested in... * [0:55] Why you should hire a fee-only financial advisor * [2:32] When can you access retirement accounts? * [3:20] Way #1: Pay for unreimbursed medical expenses * [4:18] Way #2: If you become disabled * [4:53] Way #3: Pay for health insurance premiums * [5:43] Way #4: Death * [6:23] Way #5: Pay debt to the IRS * [6:50] Way #6: First-time home buyer * [7:34] Way #7: Higher education expenses * [8:31] Way #8: Substantial and equal payments * [9:52] Way #9: Terminal illness * [10:19] Way #10: Separation of service

Resources Mentioned * Retirement Readiness Review * Subscribe to the Retire with Ryan YouTube Channel * Download my entire book for FREE * Getting Emergy Money from Your 401K * Breaking Down the IRS’s New Finalized Regulations on Inherited Retirement Accounts

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