72(t) SEPP PLANNING
72t Advisor In Des Moines, IA
If you're in Des Moines, IA and need to access retirement funds before age 59½, Spivak Financial Group can help. We meet with Des Moines clients via phone or Zoom — no office visit necessary. Get started with a complimentary free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free Consultation72(t) SEPP Planning Services in Des Moines
Are you under age 59½ and looking to access your retirement savings in Des Moines, Iowa without paying the 10% early withdrawal penalty? Our 72(t) SEPP specialists can help.
Our team of 72(t) specialists serving Des Moines and the surrounding Iowa area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.
From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Des Moines clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.
The Spivak Advantage for Des Moines Clients
- Serving Des Moines and all of Iowa
- 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
Qualifying for IRS Rule 72(t) Early Distributions
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)
Free Consultation
Get a complimentary retirement income analysis from a dedicated Des Moines 72(t) SEPP advisor.
Schedule Now(844) 558-5997