72t Advisor In Glendale, AZ

72(t) SEPP Planning Services in Glendale

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Glendale 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 Glendale and the surrounding Arizona 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 Glendale and the surrounding Arizona 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 Glendale Clients

• Nationwide service available to all Glendale 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

Qualifying for IRS Rule 72(t) Early Distributions

Qualifying for a 72(t) SEPP plan typically requires the following:

• 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)