72t Advisor In New York City, NY

72(t) SEPP Planning Services in New York City

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

Our team of 72(t) specialists serving New York City and the surrounding New York 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 New York City?

• New York City 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

Do You Qualify for Penalty-Free Early Withdrawals?

Here are the key requirements to be eligible for a 72(t) SEPP plan:

• 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)