My wife is recently unemployed and she would like to withdraw her Simple IRA early of $3600 that she has had for less than two years and her regular IRA of $5200 that she has had for over three years. She is a resident of Georgia and is in the 15% Federal Income Tax Bracket. How do we determine what percentages of taxes will be withheld for: (1) the custodian of the account "I am assuming 10%) (2) Federal Taxes "I am assuming 15% since she is in that Federal Tax Bracket" and (3) State Taxes "I have no idea what the state of Georgia % will be for early withdraw"?