Exit Readiness Center
Plan your graceful exit step by step
Step 1: Exit Overview
Choose your preferred exit option and understand the implications
Withdraw Funds
Direct cash withdrawal with tax implications
Learn more →Rollover to IRA
Tax-free transfer within 60 days
Learn more →Leave Funds
Keep growing your retirement savings
Learn more →Take Annuity
Regular income payments for life
Learn more →Step 2: Your Details
Step 3: Withdrawal Options
Separation from Service (SFS)
Available when leaving your employer
Required Minimum Distribution (RMD)
Mandatory withdrawals at age 73
Your RMD begins: April 1, 2034
Force-out Automation
Automatic rollover for balances under $5,000
Step 4: Rollover Details
Step 5: Tax Impact Preview
Federal Withholding
20%
State Withholding
5%
Early Withdrawal Penalty
10%
Net Amount
87,500
Step 6: Required Documents
Spousal Consent Form
ID Proof
Rollover Authorization
Step 7: Review Summary
Withdrawal Details
Amount: $50,000 | Type: Separation from Service
Net Amount: $42,500
Step 8: Confirmation
Your exit request has been submitted successfully
Expected processing: 3-5 business days
Retirement Planning Summary
Your complete financial journey to retirement
Historical Contributions
Investment Performance
Final Balance Breakdown
Contributions
85,000
Investment Gains
$62,500
Final Balance
$247,500
Goal Completion
Rolling to an IRA keeps your funds growing tax-deferred
Ready to Continue Your Journey?
Your plan performed consistently with your risk profile
Resources & Forms
Essential Documents
Withdrawal Guide PDF
Step-by-step instructions for all withdrawal options
Rollover Authorization Form
Complete form for IRA or employer plan transfers
Tax Compliance Checklist
Ensure all tax requirements are met
Spousal Consent Form
Required for married participants
Document Upload
Upload Documents
Drop files here or click to browse
Quick Access
Your documents organized in one place
Frequently Asked Questions
Do I owe tax on my withdrawal?
Yes, withdrawals are subject to ordinary income tax.
Can I roll to a Roth IRA?
Yes, but you'll owe taxes on the conversion amount.
What's the 60-day rule?
Complete rollovers within 60 days to avoid penalties.
Support & Assistance
Contact Support
Plan Administrator
Direct contact for plan-specific questions
Phone: 1-800-RETIRE-1
Email: support@congruent.com
Hours: Mon-Fri 8AM-8PM ET
Schedule a Call
Book time with a retirement specialist
Submitted Requests
Withdrawal Request #12345
Submitted: March 15, 2025
Rollover Request #12344
Submitted: March 10, 2025
Live Chat Support
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Meet Your Team
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Support Hours
Emergency Support
For urgent retirement questions
1-800-RETIRE-1