72(t) SEPP PLANNING
72t Advisor In Hawaii
Residents of Hawaii trust Spivak Financial Group for expert 72(t) SEPP planning. We serve clients across Hawaii entirely via phone and Zoom, making expert guidance accessible wherever you are. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free ConsultationIRS Rule 72(t) Specialists Serving Hawaii
Many Hawaii residents with substantial retirement savings don't realize they can access those funds before age 59½ — completely penalty-free. If your account holds $200,000 or more, a 72(t) SEPP plan may be the right solution.
IRS Rule 72(t) allows you to take Substantially Equal Periodic Payments (SEPP) from your retirement accounts. Our Hawaii advisors have deep expertise in structuring these plans to ensure full IRS compliance while maximizing your financial flexibility.
- Trusted by clients across Hawaii and 43 other states
- Penalty-free early retirement income strategies
- Precise IRS-compliant SEPP calculations
- Fiduciary advisor — no conflicts of interest
- Free 30-minute strategy consultation