Q. Can I withdraw from my 401(k) if I leave my job and I’m over 55? — Planning A. As you know, there are rules about when you can withdraw from retirement accounts without facing tax consequences. Here are the rules. With a 401(k), an employee contributes a portion of their income into the account, said Stephanie Spies, a certified financial planner with Modera Wealth Management in Westwood. Employees often contribute pre-tax dollars to these accounts and the funds in the 401(k) are permitted to grow tax-deferred until withdrawal in retirement, she said. Upon withdrawal, the funds are then sub…