72t Advisor In Aurora, IL

72(t) SEPP Planning Services in Aurora

If you live in Aurora and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Aurora clients to build compliant, penalty-free distribution plans.

Under IRS Rule 72(t), you can establish a Substantially Equal Periodic Payments (SEPP) schedule that lets you draw income from your retirement accounts without the 10% penalty. The rules are strict — calculations must be exact and the schedule maintained — which is why Aurora clients rely on our specialists.

Our team of 72(t) specialists serving Aurora and the surrounding Illinois 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 Aurora Clients

• Serving Aurora and all of Illinois
• 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?

To qualify for a 72(t) SEPP plan, you generally need:

• To be under age 59½
• $200,000 or more in a qualifying retirement account (IRA, 401k, 403b, etc.)
• A need for regular income from your retirement savings
• Willingness to commit to the SEPP schedule (typically 5 years or until age 59½, whichever is longer)