72t Advisor In San Diego, CA

72(t) SEPP Planning Services in San Diego

For San Diego 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 San Diego 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 San Diego residents and clients throughout California access hundreds of thousands of dollars in retirement savings — penalty-free. Our track record of IRS-compliant SEPP plans speaks for itself.

Why San Diego Residents Trust Spivak Financial Group

• Trusted by clients in San Diego and across the nation
• Precise SEPP calculations using IRS-approved methods
• Protection from retroactive IRS penalties
• BrokerCheck verified through FINRA
• Transparent, straightforward advisory fees
• Complimentary retirement income analysis

Who Qualifies for a 72(t) SEPP Plan?

Here are the key requirements to be eligible for a 72(t) SEPP plan:

• Under age 59½ at the time distributions begin
• A qualifying retirement account with at least $200,000
• Commitment to maintain the SEPP schedule without modification
• A clear financial need for early retirement income