the retainer is replaceable, and in a few cases, comes out with difficulty. I have made tools like others here have done. Bought a $30 pin spanner, and a $8 assortment of punches from Home Depot. the punches come out first. I did front bearings last weekend on a used front rim. This is what i pulled out. yes, a punch will mar up one of the little retainer grooves, but you'll only have to replace bearings, with sealed ones, once. I just used a file to repair the marred top of the retainer.