In general, withdrawals from an IRA are relatively simple. You simply notify the custodian or trustee and they should have no reason to hold up your request for withdrawal. Before you make that withdrawal, and especially if you're under the age of 59 1/2, recognize that there will be a penalty although there are a couple of minor exceptions. Regardless of whether you're over the age of 59 1/2 or not, the distribution will be taxable in the year of your withdrawal. With this in mind and knowing we are very late in the year, try to determine if it would make more sense to make the withdrawal next year rather than this year or whether a split distribution, partially in 2016 and the balance in 2017 would be more advantageous to you and your family. I hope this helps and good luck
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