ConocoPhillips employees have several ways to access retirement funds before age 59½ without incurring the standard 10% early withdrawal penalty, including the Rule of 55, 72(t) substantially equal periodic payments, and Net Unrealized Appreciation (NUA) options for company stock. This webinar explains how these approaches work within ConocoPhillips’ benefit structure, outlines eligibility requirements, and reviews real-world scenarios where early access may be considered.

We’ll also discuss timing considerations, tax treatment, and how these strategies interact with COP pension benefits. Attendees will gain a clearer understanding of how to evaluate early access options when planning a career transition or retirement timeline.

Advisory services through Wealth Enhancement Advisory Services, LLC, a registered investment advisor and affiliate of Wealth Enhancement Group®. Wealth Enhancement Group is not affiliated with or endorsed by ConocoPhillips. This information is not intended as a recommendation or to provide individualized tax or legal advice. Discuss your specific situation with a qualified tax or legal professional. The opinions are subject to change at any time, and no forecasts can be guaranteed. Investment decisions should always be made based on an investor's specific circumstances. Investing involves risk, including potential loss of principal.