72(t) SEPP PLANNING
72t Advisor In Montana
For Montana residents seeking penalty-free access to retirement savings, Spivak Financial Group offers dedicated 72(t) SEPP planning services. We serve all of Montana via phone and Zoom consultations. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free ConsultationPenalty-Free Retirement Income for Montana Residents
Are you a Montana resident under 59½ with $200,000 or more in a qualified retirement account? You may be eligible to take penalty-free distributions using IRS Rule 72(t) — and we can show you exactly how.
Under IRS Rule 72(t), Substantially Equal Periodic Payments (SEPP) allow you to draw a regular income from your retirement accounts without triggering the early withdrawal penalty. Our team helps Montana clients structure these plans with precision and full compliance.
- Serving all major cities in Montana
- Dedicated 72(t) SEPP expertise
- Compliant, penalty-free distribution structures
- Fiduciary standard — your interests first
- Free initial consultation