72t Advisor In Phoenix, AZ

72(t) SEPP Planning Services in Phoenix

Phoenix residents with $200,000 or more in a 401(k), IRA, or other qualified retirement account may be eligible to take penalty-free early distributions under IRS Rule 72(t). Let our specialists show you how.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Phoenix residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in Phoenix and across Arizona through the 72(t) SEPP process — from initial eligibility review to ongoing compliance monitoring. We're with you every step of the way.

Why Phoenix Residents Trust Spivak Financial Group

• Nationwide service available to all Phoenix 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

Our Phoenix specialists will review your eligibility, but here are the general requirements:

• 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