Ever wonder when you can actually use your Roth IRA without getting smacked with taxes and penalties? You’re not alone.

In this episode of Common Curiosities: Retirement, we unpack one of the most common unused tools with Roth accounts. When and how to tap them before 59½ without giving the IRS a reason to celebrate.

You’ll hear how the rules actually work, where the real flexibility may come from, and what to watch out for if you’re trying to pull this off. It’s part story, part strategy, and all about helping you see how planning aims to turn your retirement accounts into more than just “someday” money.

Because at the end of the day, your savings aren’t just numbers. They’re tools to help you live the life you’re working toward.

Chapters:

00:00 Can I use a Roth IRA before 59 1/2?

00:40 Who Might Use Early Roth IRA Access?

01:20 Real Life Example

03:23 Retirement Account Gov't Deal

05:24 Leveraging Roth IRA Contributions for Financial Flexibility

06:07 Lower Tax Bracket?

06:51 Tracking Roth Contributions

07:15 Withdrawal Order Rules

07:57 Using a Roth IRA to Bridge Life Gaps

08:22 Retirement Withdrawal Strategies

08:54 Taxes A Huge Missed Opportunity?

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.