72t Advisor In Missoula, MT

72(t) SEPP Planning Services in Missoula

Missoula residents with $200,000 or more in a 401(k), IRA, or other qualified retirement account may be eligible to take penalty-free early distributions under IRS Rule 72(t). Let our specialists show you how.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Missoula residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in Missoula and across Montana 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 Missoula 72(t) Service Apart

• Missoula 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

Qualifying for IRS Rule 72(t) Early Distributions

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

• Must be younger than 59½ when distributions begin
• Retirement account balance of $200,000 or more
• Stable financial situation that supports a fixed distribution schedule
• Understanding that the SEPP plan must run for the longer of 5 years or until age 59½