72t Advisor In Santa Ana, CA

72(t) SEPP Planning Services in Santa Ana

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Santa Ana clients who qualify for IRS Rule 72(t) can receive regular, penalty-free income from their retirement accounts — and we'll help you do it right.

Our team of 72(t) specialists serving Santa Ana and the surrounding California area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

Our team of 72(t) specialists serving Santa Ana and the surrounding California area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

The Spivak Advantage for Santa Ana Clients

• Trusted by clients in Santa Ana 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

Do You Qualify for Penalty-Free Early Withdrawals?

Qualifying for a 72(t) SEPP plan typically requires the following:

• To be under age 59½
• $200,000 or more in a qualifying retirement account (IRA, 401k, 403b, etc.)
• A need for regular income from your retirement savings
• Willingness to commit to the SEPP schedule (typically 5 years or until age 59½, whichever is longer)