Accessing 401k in early retirement without 10% penalty, which is better SEPP or backdoor Roth?
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Viewing 3 posts - 1 through 3 (of 3 total)
Would love to hear insights. It’s hard, for me, to invest so much that I max my 401k and Roth and can then move onto taxable brokerage, so would need to find a way to access 401k in early retirement.
Any feedback would be appreciated!
Thanks!
I’m planning to do a Roth conversion ladder, but I’m not there yet so I can’t provide actual experience. My understanding is that SEPP is much less flexible.
Most that I know, self included, would plan to do the Roth conversion ladder. (I assume that is what you’re referring to, as a backdoor Roth isn’t helpful in this scenario).
Sepp is a lot of calculations that will require help from a professional. But certainly an option. It also does not provide any flexibility.