401(k)
The plan document and your employment status determine the payment options a 401(k) can offer.
Review 401(k) →Account access by type
Workplace retirement accounts
403(b)
A 403(b) plan’s payment options depend on its current plan terms, the account source, and whether the participant still works for the sponsoring organization.
Review 403(b) →457(b)
A 457(b) payment question starts with the plan’s current terms and whether it is a governmental or another type of 457 arrangement.
Review 457(b) →Thrift Savings Plan
A Thrift Savings Plan payment question begins with the current TSP record and whether federal separation information has been reflected in the account.
Review Thrift Savings Plan →Pension
A pension can offer a monthly benefit, lump sum, survivor election, or another plan-specific payment form. The plan’s current terms establish what is available.
Review Pension →IRAs and inherited accounts
Traditional IRA
A traditional IRA is held through its custodian, so employment with a current or former employer does not normally determine whether its owner can request a distribution.
Review Traditional IRA →Roth IRA
A Roth IRA distribution should be identified as a regular-contribution, conversion, rollover, or earnings question before the payment is requested.
Review Roth IRA →SEP IRA
A SEP IRA is an IRA held through a custodian, so the current account and tax history determine the distribution questions rather than an employer-separation event.
Review SEP IRA →SIMPLE IRA
A SIMPLE IRA is held through a custodian, and its distribution process should be identified from the current account materials.
Review SIMPLE IRA →Inherited Accounts
An inherited account begins with the provider’s beneficiary procedure, the account type, and the document that establishes who can act.
Review Inherited Accounts →Education and health accounts
529 Plan
A 529 plan distribution, beneficiary change, or other account action should be reviewed against the plan record and the education expenses or purpose involved.
Review 529 Plan →Health Savings Account
An HSA is individually owned and normally remains with its owner after a job change, but the purpose of a distribution changes its tax treatment.
Review Health Savings Account →Investment, savings, and contract accounts
Brokerage Account
A brokerage account can provide cash that is already settled or cash from a sale, but a transfer and a securities sale are separate account actions.
Review Brokerage Account →Stocks
Stock holdings may be sold for cash through the account that holds them, subject to the broker’s current trading and settlement process.
Review Stocks →ETFs
An ETF held in a taxable account may be sold for cash through the broker, using the account’s current order and settlement process.
Review ETFs →Mutual Funds
A mutual-fund holding may be redeemed for cash, subject to the account’s dealing time, redemption rules, and settlement process.
Review Mutual Funds →Bonds
A bond holding can have a stated maturity and may also be sold before maturity, but the available price and transaction process depend on the security and account.
Review Bonds →Certificates of Deposit
A CD can provide money at maturity and may have an early-withdrawal process set by the issuing institution.
Review Certificates of Deposit →Treasury Securities
Treasury holdings can have different redemption or sale paths depending on the type of security and where it is held.
Review Treasury Securities →Annuities
An annuity payment, withdrawal, surrender, or inherited-account request is governed by the contract and its current provider process.
Review Annuities →Request a Distribution Review
Bring the account details and the transaction you want to discuss. We can review the available distribution options, provider paperwork, and related tax questions before a request is submitted.
Start a Distribution Review