72t Advisor In Green Valley, AZ

72(t) SEPP Planning Services in Green Valley

For Green Valley professionals and pre-retirees who need income from their retirement savings before age 59½, a 72(t) SEPP plan offers a legal, IRS-compliant path to penalty-free distributions. Our advisors specialize in exactly this.

When structured correctly, a 72(t) SEPP plan provides Green Valley residents with a reliable, penalty-free income stream from their retirement accounts. The key is using the right IRS-approved calculation method for your specific age, account balance, and income goals.

We've helped Green Valley residents and clients throughout Arizona access hundreds of thousands of dollars in retirement savings — penalty-free. Our track record of IRS-compliant SEPP plans speaks for itself.

Why Green Valley Residents Trust Spivak Financial Group

• Green Valley 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

72(t) SEPP Eligibility Requirements

Most Green Valley residents who qualify for a 72(t) SEPP plan meet these criteria:

• Must be younger than 59½ when distributions begin
• Retirement account balance of $200,000 or more
• Stable financial situation that supports a fixed distribution schedule
• Understanding that the SEPP plan must run for the longer of 5 years or until age 59½