I have a prospect that has an IRA setup with another advisor and currently taking a 72t distribution. The client would like to take out an lump sum in addition to his 72t amount. He has been told that there is no way that he can do this without making the entire 72t amount subject to the tax and the 10% penalty. Is this accurate? Is there any way to allow him to make a withdrawal without triggering this event? Thanks for the help!