72(t) SEPP PLANNING
72t Advisor In Kentucky
Spivak Financial Group is the preferred 72(t) SEPP advisor for clients throughout Kentucky. As a nationwide firm, we work with clients in Kentucky via phone and Zoom — no in-person visit required. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free Consultation72t Advisor Near Me in Kentucky
Browse cities in Kentucky where Spivak Financial Group serves clients.
How Kentucky Residents Use Rule 72(t) to Retire Early
If you are under age 59½ and have $200,000 or more in your 401(k), IRA, or other qualified retirement plan in Kentucky, our 72(t) SEPP specialists can help you access your funds without the 10% early withdrawal penalty.
Under IRS Rule 72(t), Substantially Equal Periodic Payments (SEPP) allow you to draw a regular income from your retirement accounts without triggering the early withdrawal penalty. Our team helps Kentucky clients structure these plans with precision and full compliance.
- Trusted by clients across Kentucky 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