72t Advisor In Greeley, CO

72(t) SEPP Planning Services in Greeley

Many Greeley residents don't realize they can tap into their retirement accounts before age 59½ — completely penalty-free. If you have $200,000 or more in a qualifying account, a 72(t) SEPP plan may be right for you.

IRS Rule 72(t) — also known as Substantially Equal Periodic Payments (SEPP) — allows you to take regular, penalty-free distributions from your IRA, 401(k), or other qualified retirement account before reaching age 59½. This powerful strategy requires precise calculation and strict IRS compliance, which is why working with an experienced Greeley 72t Advisor is essential.

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

What Sets Our Greeley 72(t) Service Apart

• Greeley 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

Who Qualifies for a 72(t) SEPP Plan?

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

• 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