72t Advisor In Irvine, CA

72(t) SEPP Planning Services in Irvine

Irvine 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.

When structured correctly, a 72(t) SEPP plan provides Irvine 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.

The consequences of a non-compliant 72(t) plan can be severe — retroactive penalties, interest, and IRS scrutiny. That's why Irvine residents choose Spivak Financial Group: our specialized expertise protects your financial future.

Your Irvine 72(t) SEPP Specialists

• Nationwide service available to all Irvine 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

Most Irvine 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