Can I draw a lump sum payment from my 401k after my last day of employment when I retire?

Usually you have to wait to draw your lump sum. Your employer needs to file the paper work to the investment company and they in turn send your check minus Federal Taxes. You are responsible for your state taxes.

If you are retired and over the age of 59 1/2 it is possible to take a lump sum from your profit sharing. Often times it depends on how the plan through your employer is written; however in most cases, the answer is yes. Please consult with tax professional regarding any taxes that may be owed.

You'll probably get hit with a fee. Not to mention the taxes.

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