If you are considering taking money from retirement accounts, please call me before you take the funds. There can be serious tax ramifications both federal and state if you do not prepare properly for those moves. Federal is a penalty of 10% if you are under 59-1/2. If you are on social security, you may forfeit the $6,000 per person credit allowed on the tax return if you take too much money at one time. I am available at 317-989-2708 or by email at pedersonservices08@gmail.com.