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Thank you. That was my intent. To transfer to an IRA money market, and take distributions when I need them. Is that what you're referring to, or something similar? I thought that might be the best way to save a huge penalty. Originally, when I referred to dissolve, I thought I'd have to take the full amount. A banker friend suggested a trustee transfer. It seems you're saying the same, so that's what I'll do. I'll check back here too see if there are more responses