72t Advisor In Juneau, AK

72(t) SEPP Planning Services in Juneau

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Juneau clients who qualify for IRS Rule 72(t) can receive regular, penalty-free income from their retirement accounts — and we'll help you do it right.

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

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

The Spivak Advantage for Juneau Clients

• Nationwide service available to all Juneau residents
• Specialized 72(t) knowledge — not a generalist
• Ongoing plan monitoring to maintain IRS compliance
• Fiduciary duty — we always act in your best interest
• Flexible phone and Zoom scheduling
• Free 30-minute strategy session

72(t) SEPP Eligibility Requirements

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

• Age under 59½ — this strategy is for early retirees and those who retire early
• Minimum $200,000 balance in an IRA, 401(k), 403(b), or similar account
• Ability to sustain the required distribution schedule for 5+ years
• No need to modify the plan once established (changes trigger penalties)