PSREducators.com / Public Sector Retirement Educators, LLC (PSRE) is not affiliated with or endorsed by The Office of Personnel Management of any government agency. Content is not personalized financial advice and should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author on the date of publication and may change in response to market conditions. You should consult with a professional advisor before implementing any strategies discussed. Tax and legal information provided is general in nature and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours. There may be tax penalties for distributions from your retirement account prior to age 59 ½. The firm is not engaged in the practice of law or accounting. Any guarantees discussed require the purchase of an insurance product. Insurance product guarantees are subject to the claims-paying ability of the issuing company. Life and disability insurance products are offered based application processes, not all applicants will be approved. Insurance and Annuity products made available by independent insurance professionals and are completely unrelated to any services provided by PSRE.