Once you turn 60, you can access your taxable 401K and Roth IRA. But what the heck are you going to do with this large sum of money?
Most people have analysis paralysis and run to a financial advisor. However, you are not an idiot.
You saved the money; therefore, you can learn how to grow the money. The absolutely worse thing you can do is take the money out and buy a boat or car.
Anything short of that is moving in the right direction. We can use bonds to meet our goals if we identify our needs. Let's walk through a scenario together inside. Good Luck!