72t Advisor In Summerlin, NV

72(t) SEPP Planning Services in Summerlin

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

Our team of 72(t) specialists serving Summerlin and the surrounding Nevada 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 Summerlin Clients

• Summerlin 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

Who Qualifies for a 72(t) SEPP Plan?

Most Summerlin residents who qualify for a 72(t) SEPP plan meet these criteria:

• Age under 59½ — this strategy is for early retirees and those who retire early
• Minimum $200,000 balance in an IRA, 401(k), 403(b), or similar account
• Ability to sustain the required distribution schedule for 5+ years
• No need to modify the plan once established (changes trigger penalties)