72t Advisor In St. Paul, MN

72(t) SEPP Planning Services in St. Paul

If you live in St. Paul and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with St. Paul clients to build compliant, penalty-free distribution plans.

Under IRS Rule 72(t), you can establish a Substantially Equal Periodic Payments (SEPP) schedule that lets you draw income from your retirement accounts without the 10% penalty. The rules are strict — calculations must be exact and the schedule maintained — which is why St. Paul clients rely on our specialists.

Our team of 72(t) specialists serving St. Paul 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.

Why St. Paul Clients Choose Us for 72(t) Planning

• Serving St. Paul and all of Minnesota
• 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

Who Qualifies for a 72(t) SEPP Plan?

Most St. Paul residents who qualify for a 72(t) SEPP plan meet these criteria:

• 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)