72t Advisor In Rio Rancho, NM

72(t) SEPP Planning Services in Rio Rancho

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Rio Rancho 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.

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. Rio Rancho clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

Rio Rancho clients who work with Spivak Financial Group benefit from our exclusive focus on 72(t) SEPP planning. Unlike generalist advisors, we understand every nuance of IRS Rule 72(t) and how to apply it to your unique financial situation.

Why Rio Rancho Clients Choose Us for 72(t) Planning

• Trusted by clients in Rio Rancho and across the nation
• Precise SEPP calculations using IRS-approved methods
• Protection from retroactive IRS penalties
• BrokerCheck verified through FINRA
• Transparent, straightforward advisory fees
• Complimentary retirement income analysis

72(t) SEPP Eligibility Requirements

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

• 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)