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Rules for 403(b) Withdrawals in 2025

Learn when and how to access funds in your 403(b) plan.

By Adam Levy – Updated Apr 7, 2025 at 3:56PM

Key Points

  • 403(b) account holders can withdraw funds at 59 1/2, job severance, disability, or financial hardship.
  • Early 403(b) withdrawals may face a 10% penalty unless taken after 55 or under rule 72(t) conditions.
  • Rollovers from a 403(b) to another retirement account avoid penalties and expand investment options.
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