You retired at 54 with $1.2 million in a traditional 401(k). Touch it before 59½ and the IRS charges a 10% early withdrawal penalty on top of ordinary income tax. A $60,000 withdrawal nets closer to ...
JPMorgan Equity Premium Income ETF (JEPI) yields 8.3% inside roth conversions, compounding tax-free during five-year seasoning period. Track each conversion year independently to avoid 10% penalty on ...