72t Advisor In Grand Rapids, MI

72(t) SEPP Planning Services in Grand Rapids

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Grand Rapids 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. Grand Rapids clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

Grand Rapids 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 Grand Rapids?

• Nationwide service available to all Grand Rapids 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

Who Qualifies for a 72(t) SEPP Plan?

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)