72t Advisor In St. Petersburg, FL

72(t) SEPP Planning Services in St. Petersburg

St. Petersburg 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 St. Petersburg residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in St. Petersburg 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.

Why St. Petersburg Residents Trust Spivak Financial Group

• Serving St. Petersburg 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

Who Qualifies for a 72(t) SEPP Plan?

Our St. Petersburg specialists will review your eligibility, but here are the general requirements:

• 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