72(t) SEPP PLANNING
72t Advisor In Illinois
Spivak Financial Group brings specialized 72(t) SEPP expertise to clients throughout Illinois. Our nationwide practice means you get top-tier guidance via phone or Zoom from the comfort of your home. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
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IRS Rule 72(t) Specialists Serving Illinois
Many Illinois 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 Illinois advisors have deep expertise in structuring these plans to ensure full IRS compliance while maximizing your financial flexibility.
- Trusted by clients across Illinois 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