72(t) SEPP PLANNING
72t Advisor In California
Spivak Financial Group is the preferred 72(t) SEPP advisor for clients throughout California. As a nationwide firm, we work with clients in California 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 California
We serve clients in all of these California communities via phone and Zoom.
Penalty-Free Retirement Income for California Residents
Are you a California resident under 59½ with $200,000 or more in a qualified retirement account? You may be eligible to take penalty-free distributions using IRS Rule 72(t) — and we can show you exactly how.
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 California clients structure these plans with precision and full compliance.
- California clients served entirely via phone or Zoom
- Specialized 72(t) SEPP knowledge — not a generalist
- Protection from costly IRS retroactive penalties
- Transparent, flat-fee advisory structure
- Schedule your free consultation today