I have a roth 401k with TDameritrade. They informed me they are no longer going to have such accounts and they have locked mine. I cannot buy or sell or do anything with it. They said I can liquidate it or transfer it to another broker. I have only had the account a couple of years and have lost money, ie no profit. I was wondering if I liquidate it would I have to pay the 10% penalty since I am not 59 1/2. The reason I am hoping I would not is that I already paid the tax on these funds and since I did not make any profit I am not really benefiting by withdrawing it early. I obviously have no idea how it works so does anyone know? Also does anyone know any online brokerages that honor roth 401ks in case I decide to transfer it. It's really $hitty what TD did since I have options in the account and I literally cannot do anything with anything in it.