RETIR EMENT - Merrill Edge

in exposure to penalty-free withdrawal within a calendar year stemming from variation in one’s date of birth. For instance, someone whose birthday is July 1, 1949 attains 591 2 on January 1, 2009 and thus has a full year of exposure to penalty-free withdrawals in 2009. By contrast, an individual born on June 30, 1950 attains age 591 2 ................
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