72t Advisor In Bloomington, IN

72(t) SEPP Planning Services in Bloomington

If you live in Bloomington and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Bloomington 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 Bloomington clients rely on our specialists.

Our team of 72(t) specialists serving Bloomington and the surrounding Indiana 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 Bloomington Clients

• Serving Bloomington and all of Indiana
• 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

Our Bloomington specialists will review your eligibility, but here are the general requirements:

• 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)