72t Advisor In Lexington, KY

72(t) SEPP Planning Services in Lexington

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Lexington 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.

Our team of 72(t) specialists serving Lexington and the surrounding Kentucky area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

Our team of 72(t) specialists serving Lexington and the surrounding Kentucky area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

Why Choose a 72t Advisor in Lexington?

• Nationwide service available to all Lexington residents
• Specialized 72(t) knowledge — not a generalist
• Ongoing plan monitoring to maintain IRS compliance
• Fiduciary duty — we always act in your best interest
• Flexible phone and Zoom scheduling
• Free 30-minute strategy session

Qualifying for IRS Rule 72(t) Early Distributions

Here are the key requirements to be eligible for a 72(t) SEPP plan:

• 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)