72t Advisor In Sarasota, FL

72(t) SEPP Planning Services in Sarasota

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

• Serving Sarasota 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

72(t) SEPP Eligibility Requirements

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

• 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)