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Frequently asked questions

All FAQs about withdrawals

Log in to your account at

Select MY ACCOUNT (at the top of your secure account home page) then select Recent Service requests to see the status of all withdrawal requests you’ve made in the last 90 days.

Generally, you can withdraw any amount (up to your total balance) from your IRA, mutual fund or brokerage account. There might be some restrictions depending on a number of factors.
You can log into your account to view the amount you can withdraw from your employer-sponsored retirement plans. Your online account shows your balance and the amount available.

Log in to your account at

Select MY ACCOUNT (at the top of your secure account home page) then select Rollover or withdraw money.

That depends largely on whether you originally contributed that money before or after paying taxes on it.
Pre-tax contributions
When you withdraw money that you contributed on a before-tax basis from your retirement plan, that money is taxed as ordinary income.
After-tax contributions
If you contributed money to your retirement plan on an after-tax basis you won’t have to pay taxes. However, note that any earnings from these after-tax contributions are still taxable.
Roth contributions
You may hold a retirement plan that allows Roth contributions, which are made with after-tax money. You can withdraw money from those accounts tax free as long as you take the money at least 5 years after January 1 of the year in which you first contributed to that plan, and you are either age 59 ½ or older, or considered disabled.
Note on early withdrawal penalties
For any retirement plan, there are penalties for taking money out if you're younger than 59 ½. Any money taken from a retirement plan is generally subject to a 10% early withdrawal penalty (unless certain conditions are met).

This depends on two key factors: your age and the type of IRA.
Your age
If you take money out before age 59 ½, then you may face a penalty equal to 10% of the money you take out from a Traditional or SEP IRA.
Traditional or SEP IRA
Any money you withdraw will be taxed as ordinary income. However, if you contributed money after taxes into an IRA, your withdrawals will not be taxed.
Roth IRAs
Withdrawals are tax-free as long as you take the money out at least 5 years after the beginning of the year in which you first contributed to the plan, and as long as you are 59 ½ or older or considered disabled. If you don’t meet those requirements, any money you withdraw will be taxed as early income and subject to a penalty for early withdrawal.

That depends on the rules of your plan. Contact your employer's benefits office or log into your account to find out when you can withdraw money (and how much you can withdraw).
Note: If you have money in the TIAA Traditional Annuity, there may be restrictions on how much money you can withdraw at one time.

When you need to withdraw funds, consider all the types of investment accounts you have and the associated tax implications involved when withdrawing funds from each.
Depending on the account, you may have to pay taxes or face tax penalties when you withdraw money. Before taking out money, consider speaking with a tax advisor to learn about the type of withdrawals that are best for you.

Log in to your account at

Select MY ACCOUNT (at the top of your secure account home page), then under Quick Links, select Upload Documents.

Select the Shared Files tab in the Message Center.

Follow the on-screen instructions to upload your completed form.

You can withdraw funds at any time. Please call 800-223-1200 to request a withdrawal from your mutual fund account or 800-927-3059 to withdraw funds from your brokerage services account.

That depends on your account and your circumstances.
We're here to help explain all of your options and make the choice that's best for you. Please call us at 800-842-2776 to discuss your options.

Download and print the spousal/nonspousal waiver email form that you received from us.
If you're not married, complete page two only. If you're married, complete only page three.

That depends on your retirement plan and some other factors. We can help you figure it out. You can apply for a withdrawal online or call 800-842-2252 (weekdays from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 6 p.m.).

You can request a withdrawal online or fax forms to 800-914-8922. Your funds can be deposited to your bank account as long as we have your bank’s information on file.