72t Advisor In Independence, MO

72(t) SEPP Planning Services in Independence

If you live in Independence and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Independence 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 Independence clients rely on our specialists.

Our team of 72(t) specialists serving Independence and the surrounding Missouri 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 Independence?

• Nationwide service available to all Independence 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

72(t) SEPP Eligibility Requirements

Our Independence specialists will review your eligibility, but here are the general requirements:

• 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)