72t Advisor In Iowa City, IA

72(t) SEPP Planning Services in Iowa City

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Iowa City clients who qualify for IRS Rule 72(t) can receive regular, penalty-free income from their retirement accounts — and we'll help you do it right.

Rule 72(t) SEPP plans are not DIY-friendly. A single miscalculation can trigger the IRS to apply the 10% penalty retroactively to every distribution you've taken — plus interest. Iowa City clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

Iowa City clients who work with Spivak Financial Group benefit from our exclusive focus on 72(t) SEPP planning. Unlike generalist advisors, we understand every nuance of IRS Rule 72(t) and how to apply it to your unique financial situation.

Why Choose a 72t Advisor in Iowa City?

• Local expertise serving Iowa City and Iowa clients
• Dedicated 72(t) SEPP specialists — not generalist advisors
• Compliant structures that protect you from IRS penalties
• Fiduciary standard — your financial interests come first
• Free initial consultation with no obligation
• Ongoing compliance monitoring and support

72(t) SEPP Eligibility Requirements

Qualifying for a 72(t) SEPP plan typically requires the following:

• 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)