Article: Financial birthdays to be aware of. (age milestones for Social Security benefits and retirement plan withdrawals)(Brief Article)

The older that people get, the less they like to think about--let alone celebrate--birthdays. However, there are several important financial birthdays older Americans shouldn't overlook, suggests the Institute of Certified Financial Planners, Denver, Colo.

Age 50. The earliest a spouse can collect a survivor's retirement benefits from Social Security--but only if he or she is disabled.

Age 59 1/2. You can begin making withdrawals from any retirement plan or IRA without the 10% early withdrawal penalty (assessed against any money you pull out and don't roll over into another retirement account or IRA). The withdrawn money faces income taxes.

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