72t Advisor In Paterson, NJ

72(t) SEPP Planning Services in Paterson

If you live in Paterson and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Paterson clients to build compliant, penalty-free distribution plans.

Rule 72(t) SEPP plans are not DIY-friendly. A single miscalculation can trigger the IRS to apply the 10% penalty retroactively to every distribution you've taken — plus interest. Paterson clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Paterson clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

Why Paterson Clients Choose Us for 72(t) Planning

• Nationwide service available to all Paterson residents
• Specialized 72(t) knowledge — not a generalist
• Ongoing plan monitoring to maintain IRS compliance
• Fiduciary duty — we always act in your best interest
• Flexible phone and Zoom scheduling
• Free 30-minute strategy session

72(t) SEPP Eligibility Requirements

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

• 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)