For people under the age of 59 1/2 that has withdrawn from their tIRA / 401K accounts, could you confirm that you avoided the 10% early withdrawal penalty by rolling the money over to a Roth IRA? I realize there are taxes to the withdrawal. I would like to avoid the 10% penalty. I did a Google search on this and didn't get any hits although I found other alternative ways to avoid it. Thanks in advance.