72t Advisor In Florence, AL

72(t) SEPP Planning Services in Florence

Are you under age 59½ and looking to access your retirement savings in Florence, Alabama without paying the 10% early withdrawal penalty? Our 72(t) SEPP specialists can help.

Our team of 72(t) specialists serving Florence and the surrounding Alabama area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Florence clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

The Spivak Advantage for Florence Clients

• Florence clients served via phone and Zoom
• Exclusive focus on IRS Rule 72(t) SEPP planning
• Three IRS-approved calculation methods available
• MDRT Life Member — Million Dollar Round Table
• BBB A+ Accredited Business
• No-obligation free consultation

Do You Qualify for Penalty-Free Early Withdrawals?

To qualify for a 72(t) SEPP plan, you generally need:

• To be under age 59½
• $200,000 or more in a qualifying retirement account (IRA, 401k, 403b, etc.)
• A need for regular income from your retirement savings
• Willingness to commit to the SEPP schedule (typically 5 years or until age 59½, whichever is longer)