72t Advisor In Durham, NC

72(t) SEPP Planning Services in Durham

Many Durham residents don't realize they can tap into their retirement accounts before age 59½ — completely penalty-free. If you have $200,000 or more in a qualifying account, a 72(t) SEPP plan may be right for you.

IRS Rule 72(t) — also known as Substantially Equal Periodic Payments (SEPP) — allows you to take regular, penalty-free distributions from your IRA, 401(k), or other qualified retirement account before reaching age 59½. This powerful strategy requires precise calculation and strict IRS compliance, which is why working with an experienced Durham 72t Advisor is essential.

The consequences of a non-compliant 72(t) plan can be severe — retroactive penalties, interest, and IRS scrutiny. That's why Durham residents choose Spivak Financial Group: our specialized expertise protects your financial future.

What Sets Our Durham 72(t) Service Apart

• Nationwide service available to all Durham 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

Are You Eligible for a 72(t) SEPP Plan?

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

• Must be younger than 59½ when distributions begin
• Retirement account balance of $200,000 or more
• Stable financial situation that supports a fixed distribution schedule
• Understanding that the SEPP plan must run for the longer of 5 years or until age 59½