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Money in your retirement accounts were never tax before so you cannot take it out tax free. In addition, if you are not 59 1/2 there will be 10% penalty. You may be able to avoid the penalty, depending what you use it for. Unfortunately, paying off your HELOC will not qualify for the exemption.
You may be able to reduce the liability if you split the distribution between two years. If you take half now and half next year you may be able to stay in lower tax bracket.
I see you read my respond. Any questions? What do you plan to do with the cash from the retirement account? If you need to split the money in the account you do not necessary need to take the distributions. There are some other options. However, if you want to take a distribution to pay off other debts there's really no other way.