Broker Check

Why it may be 55, not 59½

<strong>What if you could access your ESOP and 401(k) before age 59</strong><strong>&#189; and not pay the 10% penalty?</strong>

What if you could access your ESOP and 401(k) before age 59½ and not pay the 10% penalty?

One of the things we hear most often is "I'd like to retire but I need to keep working till I'm 59½, don't I?"

This is usually because of the fear of the 10% tax penalty associated with their retirement distributions prior to 59½, or the belief that they simply can't access the proceeds.

While their concerns are valid -- and for most people it probably makes more sense to wait -- there are others who have positioned themselves to seriously consider retiring before age 59½.

The good news is we're here to help you determine which option is right for you!

If you have reached age 55 and are still employed with Publix, your options may be better than you think.

Attend a Life After Publix Workshop

Dates and Times

Schedule a 15 min no obligation call with Mike

Contact Us

How can we help?

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4 ways to find out more: 

  • Call or email us -- We're happy to hear from you
  • Attend a Life After Publix Workshop -- Our workshops are focused specifically on issues unique to Publix Associates and go much deeper into the topics mentioned here. You can register here or simply call our office.
  • Join our mailing list -- We regularly send out helpful information about the financial issues of the day and issues that specifically concern those people approaching retirement. 
  • Check out our blog -- A deeper look at specific planning issues relevant to Publix Associates and general market commentary


So, what does Life after Publix look like for you? It all begins with a phone call.

In Central Florida at (407) 663-5020
From South Florida at (561) 237-5007

Email: michael@crossoverpnt.com

 *The information contained in this section is provided for educational purposes only and should not be considered personal advice.

While the information is believed to be accurate, it remains the sole responsibility of Publix Associates to contact the Retirement Department of Publix to obtain confirmation of it's accuracy prior to separating from service and taking distribution of their retirement accounts. It is also the sole responsibility of Publix Associates to contact their tax and legal advisors to confirm the accuracy of any tax or legal issues mentioned here that may be applicable to their particular situation. The information in this section may not be transferable to other corporate retirement plans and should be verified before applying to your individual situation. 


RetireFromPublix.com, LifeAfterPublix.com, LPL Financial and Crossover Point Advisors are not endorsed by or owned by Publix Super Markets Inc.