Over the last 13 years, Jason Allaire, a captain with the Rhode Island Division of Sheriffs, had saved thousands of dollars in a state retirement plan created for public employees. The account is a 401(a), a 401(k) equivalent for government workers, so he assumed it worked the same way: He could withdraw funds before he hit retirement age but would have to pay a penalty and taxes to do so. Earlier this summer, with Allaire seeking to pull out some money to help his daughter p

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