72(t) SEPP PLANNING
72t Advisor In Duluth, MN
If you're in Duluth, MN and need to access retirement funds before age 59½, Spivak Financial Group can help. We meet with Duluth clients via phone or Zoom — no office visit necessary. Get started with a complimentary free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free Consultation72(t) SEPP Planning Services in Duluth
Are you under age 59½ and looking to access your retirement savings in Duluth, Minnesota without paying the 10% early withdrawal penalty? Our 72(t) SEPP specialists can help.
Our team of 72(t) specialists serving Duluth and the surrounding Minnesota area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.
From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Duluth clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.
Why Duluth Clients Choose Us for 72(t) Planning
- Duluth clients served via phone and Zoom
- Exclusive focus on IRS Rule 72(t) SEPP planning
- Three IRS-approved calculation methods available
- MDRT Life Member — Million Dollar Round Table
- BBB A+ Accredited Business
- No-obligation free consultation
Who Qualifies for a 72(t) SEPP Plan?
Most Duluth residents who qualify for a 72(t) SEPP plan meet these criteria:
- Age under 59½ — this strategy is for early retirees and those who retire early
- Minimum $200,000 balance in an IRA, 401(k), 403(b), or similar account
- Ability to sustain the required distribution schedule for 5+ years
- No need to modify the plan once established (changes trigger penalties)
Free Consultation
Schedule a free, no-obligation consultation with a Duluth 72(t) specialist today.
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