Age 50 Catch-up contributions may be made to IRAs and qualified retirement plans.


Age 55 Penalty-free distributions may be taken from 401(K) plans if retired. Catch up contributions may be made to HSAs.


Age 59 1/2 Penalty-free distributions may be taken from IRAs and qualified plans and from Roth IRAs if account has been open at least 5 years.


Age 60 Applications for early Social Security benefits by widows or widowers claiming under spouse’s earning record.


Age 62 Application may be made for early Social Security benefits under own earning record.


Age 65 Application should be made of Medicare Benefits.


Age 66 Full retirement age for unreduced Social Security.


Age 70 Age for Social Security maximum benefits.


Age 70 1/2 Must start minimum distribution from IRA.