Why can’t I take the full amount once I reach 65?

The Secure Retirement Plan was created to provide another source of income when you retire, adding to your other retirement income sources, like an IRA or Social Security. Many Individual Providers continue to work after the age of 65. These Individual Providers have the advantage of being able to access the monthly distribution payments while still having employer contributions deposited into their account. These monthly distributions will continue as long as you have an account balance.