72t Advisor In Great Falls, MT

72(t) SEPP Planning Services in Great Falls

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Great Falls clients who qualify for IRS Rule 72(t) can receive regular, penalty-free income from their retirement accounts — and we'll help you do it right.

Our team of 72(t) specialists serving Great Falls and the surrounding Montana area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

Our team of 72(t) specialists serving Great Falls and the surrounding Montana area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

The Spivak Advantage for Great Falls Clients

• Great Falls 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

Do You Qualify for Penalty-Free Early Withdrawals?

Our Great Falls 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)