72t Advisor In Clovis, NM

72(t) SEPP Planning Services in Clovis

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

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

Why Choose a 72t Advisor in Clovis?

• Nationwide service available to all Clovis 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

Who Qualifies for a 72(t) SEPP Plan?

To qualify for a 72(t) SEPP plan, you generally need:

• 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)