@hti708 wrote:
That's why I'm wondering if the safest bet (although not my preference) would be to wait to withdraw the entire amount once my child has completed the entire orthodontic treatment plan (which could be a couple of years).
I think you can make a reasonable allocation. For example, if the program is expected to be 24 months, you could withdraw 1/24th per month, even if the treatment ends up going longer. The tax regulations allow this sort of allocation in other areas. Waiting until the end is certainly another allowable option.
