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Old 07-23-2011, 11:30 AM   #21
Dryer sheet aficionado
Join Date: Jul 2011
Posts: 33
I see several comments about SEPP. This vehicle can be used anytime before 59 1/2, but once started, must continue for 5 years or until age 59 1/2, whichever is greater. Its good to have more than one IRA... one that will be used for the SEPP and the other for any emergency withdrawals. if you take a withdrawal from an active SEPP or do anything else to violate SEPP rules, then you're at risk of a penalty for all SEPP distributions.

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