72(t) SEPP PLANNING
72t Advisor In Arizona
Spivak Financial Group is the preferred 72(t) SEPP advisor for clients throughout Arizona. As a nationwide firm, we work with clients in Arizona via phone and Zoom — no in-person visit required. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free Consultation72t Advisor Near Me in Arizona
We serve clients in all of these Arizona communities via phone and Zoom.
How Arizona Residents Use Rule 72(t) to Retire Early
If you are under age 59½ and have $200,000 or more in your 401(k), IRA, or other qualified retirement plan in Arizona, our 72(t) SEPP specialists can help you access your funds without the 10% early withdrawal penalty.
Under IRS Rule 72(t), Substantially Equal Periodic Payments (SEPP) allow you to draw a regular income from your retirement accounts without triggering the early withdrawal penalty. Our team helps Arizona clients structure these plans with precision and full compliance.
- Serving all major cities in Arizona
- Dedicated 72(t) SEPP expertise
- Compliant, penalty-free distribution structures
- Fiduciary standard — your interests first
- Free initial consultation