72t Advisor In O'Fallon, MO

72(t) SEPP Planning Services in O'Fallon

For O'Fallon professionals and pre-retirees who need income from their retirement savings before age 59½, a 72(t) SEPP plan offers a legal, IRS-compliant path to penalty-free distributions. Our advisors specialize in exactly this.

IRS Rule 72(t) — also known as Substantially Equal Periodic Payments (SEPP) — allows you to take regular, penalty-free distributions from your IRA, 401(k), or other qualified retirement account before reaching age 59½. This powerful strategy requires precise calculation and strict IRS compliance, which is why working with an experienced O'Fallon 72t Advisor is essential.

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

What Sets Our O'Fallon 72(t) Service Apart

• Serving O'Fallon and all of Missouri
• 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 O'Fallon specialists will review your eligibility, but here are the general requirements:

• Under age 59½ at the time distributions begin
• A qualifying retirement account with at least $200,000
• Commitment to maintain the SEPP schedule without modification
• A clear financial need for early retirement income