72t Advisor In Gaithersburg, MD

72(t) SEPP Planning Services in Gaithersburg

Gaithersburg residents with $200,000 or more in a 401(k), IRA, or other qualified retirement account may be eligible to take penalty-free early distributions under IRS Rule 72(t). Let our specialists show you how.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Gaithersburg residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in Gaithersburg and across Maryland through the 72(t) SEPP process — from initial eligibility review to ongoing compliance monitoring. We're with you every step of the way.

Why Gaithersburg Residents Trust Spivak Financial Group

• Serving Gaithersburg and all of Maryland
• 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 Gaithersburg specialists will review your eligibility, but here are the general requirements:

• Must be younger than 59½ when distributions begin
• Retirement account balance of $200,000 or more
• Stable financial situation that supports a fixed distribution schedule
• Understanding that the SEPP plan must run for the longer of 5 years or until age 59½