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2. Substantially Equal Periodic Payments (SEPP), explained - AOL

   www.aol.com/finance/substantially-equal-periodic...

   However, early retirees can still access their funds by taking what is known as substantially equal periodic payments (SEPP) in an IRA, 401(k), 403(b) or other qualified retirement account without ...

3. Substantially equal periodic payments - Wikipedia

   en.wikipedia.org/wiki/Substantially_equal...

   Substantially equal periodic payments (SEPP) are one of the exceptions in the United States Internal Revenue Code that allows a retiree to receive payments before age 59 1 ⁄ 2 from a retirement plan or deferred annuity without the 10% early distribution penalty under certain circumstances.

4. Roth IRA Withdrawals: Avoid Penalties and Maximize Your ... - AOL

   www.aol.com/roth-ira-withdrawals-avoid-penalties...

   For example, if you convert part of a traditional IRA to a Roth IRA in 2020 and another in 2022, two separate five-year periods will start, with one beginning in 2020 and another in 2022.

5. Ask an Advisor: We Want to Retire Before Age 59 ½. How ... - AOL

   www.aol.com/ask-advisor-wife-want-retire...

   Just like the name indicates, you can take a series of substantially equal periodic payments – or SEPP – from your retirement account without facing the 10% early withdrawal penalty.

6. Roth IRA - Wikipedia

   en.wikipedia.org/wiki/Roth_IRA

   Finally, although one can take distributions from a Roth IRA under the substantially equal periodic payments (SEPP) rule without paying a 10% penalty, [25] any interest [vague] earned in the IRA will be subject to tax [26] – a substantial penalty which forfeits the primary tax benefits of the Roth IRA.

7. What is the Roth IRA 5-year rule? - AOL

   www.aol.com/finance/roth-ira-5-rule-185440012.html

   The five-year rule to get tax-free earnings out of a Roth IRA can be tricky. We explain. ... You agree to accept substantially equal periodic payments for five years or until you turn age 59 ½ ...

8. 7 key IRA withdrawal dates for taxpayers: How to take ... - AOL

   www.aol.com/finance/7-key-ira-withdrawal-dates...

   6. The time limit on periodic payments. Savers have a loophole to take an IRA distribution before age 59½ without a penalty – using a series of substantially equal periodic payments (SoSEPP ...

9. Talk:Substantially equal periodic payments - Wikipedia

   en.wikipedia.org/wiki/Talk:Substantially_equal...

   2 In particular, Roth IRA distributions taken under the SEPP rule will be taxed as income a second time --- a substantial penalty. 1 comment 3 Significance, history, comparison to other schemes, etc.