Retired at 56years

By TSA, I think you are probably referring to a Tax Sheltered Annuity, also known as a 403b retirement plan.

Generally, penalty-free distribution from a 403(b) cannot occur until the participant:
-- Reaches age 59 1/2
-- Separates from service in the year turning 55 (and must be retired)
-- Retire before age 55 — eligible for Substantially Equal Periodic Payments (SEPP). Participants who have retired early (before age 55), but want access to their 403(b) without penalty can do so using SEPP. This provision requires that you take a series of substantially equal periodic payments. The key is that once you start these payments they must continue for five years or until you reach 59 1/2, whichever takes longer. If you start at age 58 you must continue until you are 63 (minimum 5 years).
-- Becomes disabled (as defined in section 72(m)(7) of the Internal Revenue Code)
-- Through a loan (some investment companies allow this, some do not)
-- Dies


Consulting a tax professional before accessing 403(b) money is highly recommended.