“Isn’t a Roth conversion ladder far superior to an SEPP in every way?”
“You wrote all of this stuff about SEPPs but it is a complete waste of time, everyone should just do a Roth conversion ladder.”
“Thanks for the SEPP Calculator but isn’t a Roth conversion ladder more flexible?”
All good questions / comments, of course. The Roth conversion ladder is a great option to access retirement accounts before age 59.5. But some people will still find that the SEPP is better suited to their wants / needs.
At age 59.5, all access restrictions to 401ks and IRAs are removed.
Sometimes people want to retire before then. (Hard to believe, I know.)
But what if most/all of your savings and investments happen to be in a retirement account? Or you prefer to hang on to the investments in your taxable account?
Fortunately there are a few options to tap retirement accounts early and penalty-free.