10 WAYS TO AVOID RETIREMENT EARLY WITHDRAWAL PENALTIES:

• ATTAIN AGE 59 1/2

• PAYMENT OF MEDIAL EXPENSES EXCEEDING 10% OF ADJUSTED GROSS INCOME

• UNEMPLOYED FOR >12 CONSECUTIVE WEEKS AND PAY HEALTH INSURANCE

• PAY FOR COLLEGE (TUITION, FEES, SUPPLIES; ROOM & BOARD IF HALF TIME)

• 1^ST TIME HOME PURCHASE

• DISABILITY

• MILITARY (ACTIVE DUTY > 179 DYS)

• SET UP ANNUITY (SPECIFIC IRS DISTRIBUTION RULES)

• WITHDRAW FROM ROTH IRA

• 401(K) DISTRIBUTION IF YOU LEAVE JOB AT AGE 55 OR OLDER

“FIRST CLASS SOLUTION SUITE”

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