72(t) DISTRIBUTION CONSULTANTS
Access Your Retirement
Funds Early, Penalty-Free.
If you are under age 59½ and have $200,000 or more in your 401(k), IRA, or other qualified retirement plan, we can help you leverage IRS Rule 72(t) SEPP to unlock your funds without the 10% penalty.
Schedule Your Free ConsultationIt's Your Money. Access It When
You Need It.
A 72(t) Substantially Equal Periodic Payment (SEPP) plan is a powerful tool that provides you with a steady, predictable income stream from your own retirement savings. This allows you to retire early, handle unexpected life events, or simply enjoy the fruits of your labor sooner.
Enhance Your Monthly Income
Supplement your cash flow to maintain your comfortable lifestyle.
Retire on Your Own Terms
Don't wait until 59½ to start living the retirement you've earned.
Gain Financial Flexibility
Have the resources to provide for family or pursue your passions.
Travel and Explore
Fund your adventures and those exciting, long-awaited experiences.
EXPERT GUIDANCE
Your Trusted Partner in 72(t)
SEPP Planning
Navigating the complexities of IRS Rule 72(t) requires specialized expertise. At 72t Advisor, we specialize in helping clients nationwide structure and manage their 72(t) SEPP plans. We are committed to providing clear, expert guidance to ensure your plan is compliant and optimized for your unique financial situation.
- Dedicated 72(t) Expertise
- Compliant & Secure Structures
- Fiduciary Standard
- Nationwide Service
Understanding IRS Rule 72(t) SEPP
The term "Substantially Equal Periodic Payments" (SEPP) refers to a method of withdrawing funds from an IRA or other qualified retirement plan before reaching age 59½ without incurring the 10% early withdrawal penalty. It must be set up as regular income for the life of the distribution, a properly structured 72(t) plan is compliant with IRS rules, ensuring your savings early, come the strict IRS regulations, working with specialists is key to avoid mistakes that could lead to significant penalties and tax liabilities.
While you will still owe regular income tax on the distributions, a properly structured 72(t) plan is compliant with IRS rules, ensuring your savings early. Come the strict IRS regulations, working with specialists is key to avoid mistakes that could lead to significant penalties and tax liabilities.
Learn More About 72(t) RulesDon't DIY Your 72(t) Plan. The Risks Are Too High.
A simple miscalculation or administrative error in your 72(t) plan can have severe consequences. The IRS is unforgiving, and mistakes can lead to the retroactive application of the 10% penalty on all distributions, plus interest. Common pitfalls include:
- Using the wrong interest rate for calculations.
- Choosing a non-compliant calculation method.
- Selecting a distribution amount that doesn't align with your long-term needs.
- Failing to use the correct IRS life expectancy tables.
Protect your financial future by working with an experienced 72t Advisor who understands the intricacies of these plans.
Your Path to Penalty-Free Withdrawals
Assess Your Goals
We start by understanding your income needs and financial objectives to determine the right amount to allocate to your 72(t) plan.
Establish the Right Structure
Our team designs a compliant and strategically sound 72(t) SEPP structure tailored to your specific situation for a predictable, secure outcome.
Manage for Compliance
We provide ongoing management and support to ensure your plan remains fully compliant with IRS rules, giving you peace of mind.
Ready to Unlock Your Retirement
Savings?
Find out how much penalty-free income you could access from your retirement accounts. Click the button below to schedule a complimentary, no-obligation consultation with a 72(t) specialist.
Schedule Your Free Consultation