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I'm on LTD (I'm not sure if that matters) and I'm older than 59 1/2 but I've been making in service withdrawals for much of the past year.

I've been careful not to intermingle pretax and post tax savings (IRA vs ROTH).

I've transferred much of it to "FIXED INDEX ANNUITIES." ALLIANZ is currently paying a transfer BONUS of 30% (so for every $100,000 I transfer ALLIANZ deposits $130,000 in my account!!!).

DISCLAIMER: I'm not here to give financial advice but this looks like a GREAT DEAL to me!!! Fixed index annuities aren't for everyone but they have almost zero stock market risk.