72t Advisor In Winston-Salem, NC

72(t) SEPP Planning Services in Winston-Salem

Many Winston-Salem 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.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Winston-Salem residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

We've helped Winston-Salem residents and clients throughout North Carolina access hundreds of thousands of dollars in retirement savings — penalty-free. Our track record of IRS-compliant SEPP plans speaks for itself.

Why Winston-Salem Residents Trust Spivak Financial Group

• Winston-Salem 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

Who Qualifies for a 72(t) SEPP Plan?

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

• 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