72t Advisor In Miami, FL

72(t) SEPP Planning Services in Miami

Miami residents with $200,000 or more in a 401(k), IRA, or other qualified retirement account may be eligible to take penalty-free early distributions under IRS Rule 72(t). Let our specialists show you how.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Miami residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in Miami and across Florida through the 72(t) SEPP process — from initial eligibility review to ongoing compliance monitoring. We're with you every step of the way.

What Sets Our Miami 72(t) Service Apart

• Serving Miami and all of Florida
• 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

Qualifying for IRS Rule 72(t) Early Distributions

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

• 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