72t Advisor In Colorado Springs, CO

72(t) SEPP Planning Services in Colorado Springs

If you live in Colorado Springs and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Colorado Springs clients to build compliant, penalty-free distribution plans.

Rule 72(t) SEPP plans are not DIY-friendly. A single miscalculation can trigger the IRS to apply the 10% penalty retroactively to every distribution you've taken — plus interest. Colorado Springs clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Colorado Springs clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

The Spivak Advantage for Colorado Springs Clients

• Colorado Springs clients served via phone and Zoom
• Exclusive focus on IRS Rule 72(t) SEPP planning
• Three IRS-approved calculation methods available
• MDRT Life Member — Million Dollar Round Table
• BBB A+ Accredited Business
• No-obligation free consultation

Are You Eligible for a 72(t) SEPP Plan?

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

• Age under 59½ — this strategy is for early retirees and those who retire early
• Minimum $200,000 balance in an IRA, 401(k), 403(b), or similar account
• Ability to sustain the required distribution schedule for 5+ years
• No need to modify the plan once established (changes trigger penalties)