Roth IRAs: The Rules Most Don't Read (But Should) | Episode 10

Written By Michael Custer

Ever wonder when you can actually use your Roth IRA without getting smacked with taxes and penalties? You’re not alone.

In this episode of Common Curiosities: Retirement, we unpack one of the most common unused tools with Roth accounts. When and how to tap them before 59½ without giving the IRS a reason to celebrate.

You’ll hear how the rules actually work, where the real flexibility may come from, and what to watch out for if you’re trying to pull this off. It’s part story, part strategy, and all about helping you see how planning aims to turn your retirement accounts into more than just “someday” money.

Because at the end of the day, your savings aren’t just numbers—they’re tools to help you live the life you’re working toward.

Michael Custer

Michael graduated from Hope College where he played Quarterback for the football team. Now, he focuses on tax strategies, helping W-2 employees and small business owners with implementing tax strategies, learning their choices with old work retirement plans, and Roth IRAs. He has a passion for building a relationship with his clients. Understanding why money matters to you is important to him. He firmly believes that finances can be a powerful tool for your life goals.

Michael is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and also holds his Series 7, Series 66, Series 24. and SIE registrations with LPL Financial as well as his Life, Health, Property and Casualty insurance licenses.

Next

Can We Give to Charities and Save on Taxes? | Episode 9