Perception vs. Reality There’s an alarming difference between perception and reality for current and future retirees. Share | Related Content Ready for Retirement? Are you ready for retirement? Here are five words you should consider. IRA Withdrawals that Escape the 10% Tax Penalty The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown. Investment Strategies for Retirement Investment tools and strategies that can enable you to pursue your retirement goals.