CDL Tax Services LLC

01/24/2026

Chelsea TaxProfessional Allen

For those of you that withdrew from your 401k, read this in its entirety...

401(k) Early Withdrawal Rules
• Before age 59½ → Generally hit with:
• 10% early withdrawal penalty
• Plus regular income taxes
• At age 59½ or older →
• No 10% penalty
• Still taxable as income (unless it’s a Roth 401(k))

Common Exceptions (no 10% penalty even if under 59½)

You may avoid the penalty if:
• You leave your job in or after the year you turn 55 (Rule of 55)
• You’re totally and permanently disabled
• You set up Substantially Equal Periodic Payments (72(t))
• The withdrawal is due to a Qualified Domestic Relations Order (QDRO)
• Certain IRS levies or military service situations

⚠️ Important: Taxes usually still apply, even when the penalty doesn’t.

If you want, tell me:
• Age
• Still working or separated from employer
• Traditional vs Roth 401(k)

If you need help filing your taxes because you do not understand, contact me and I will get you right by maximizing your refund the correct and legal way!

Text to 470.451.3772.

Client Intake Form
https://www.cognitoforms.com/CDLTaxServicesLLC1/ClientInakeForm

CDL Tax Services LLC

01/24/2026

For those of you that withdrew from your 401k, read this in its entirety...

401(k) Early Withdrawal Rules
• Before age 59½ → Generally hit with:
• 10% early withdrawal penalty
• Plus regular income taxes
• At age 59½ or older →
• No 10% penalty
• Still taxable as income (unless it’s a Roth 401(k))

Common Exceptions (no 10% penalty even if under 59½)

You may avoid the penalty if:
• You leave your job in or after the year you turn 55 (Rule of 55)
• You’re totally and permanently disabled
• You set up Substantially Equal Periodic Payments (72(t))
• The withdrawal is due to a Qualified Domestic Relations Order (QDRO)
• Certain IRS levies or military service situations

⚠️ Important: Taxes usually still apply, even when the penalty doesn’t.

If you want, tell me:
• Age
• Still working or separated from employer
• Traditional vs Roth 401(k)

If you need help filing your taxes because you do not understand, contact me and I will get you right by maximizing your refund the correct and legal way!

Text to 470.451.3772.

Client Intake Form
https://www.cognitoforms.com/CDLTaxServicesLLC1/ClientInakeForm

CDL Tax Services LLC

01/05/2024

Let's get you filed today. Click the link below⬇️⬇️

CDL Tax Services LLC Mobile App Referral Download

03/01/2023

State of Georgia is asking for 12 weeks to process returns...please practice patience!
Chelsea D Allen

02/16/2023

PATH lifted yesterday…file your taxes today!!

01/25/2023

01/12/2023

IRS starts accepting tax returns 1.23.23!!
Book your appt now!!

08/03/2022

🚨🚨🚨🚨🚨🚨

08/03/2022

🚨🚨🚨New Tax Law Alert🚨🚨🚨According to the Georgia Heartbeat Bill, you can claim your unborn child on your 2022 state income tax return.

Details coming soon!!

04/25/2022

Vacation giveaways and referral fees will go out next week to all that qualify…stay tuned