72t Advisor In Fort Collins, CO

72(t) SEPP Planning Services in Fort Collins

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Fort Collins 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 Fort Collins and the surrounding Colorado 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 Fort Collins and the surrounding Colorado 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 Fort Collins Clients

• Serving Fort Collins and all of Colorado
• Expert guidance on all three SEPP calculation methods
• Penalty-free early retirement income strategies
• Accredited, credentialed financial professionals
• Responsive, personalized service
• Schedule your free consultation today

Do You Qualify for Penalty-Free Early Withdrawals?

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

• 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)