72(t) SEPP PLANNING
72t Advisor In Oregon
If you live in Oregon and need to access your retirement funds before age 59½, Spivak Financial Group is here to help. We work with Oregon clients remotely via phone and Zoom — no office visit needed. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free ConsultationHow Oregon Residents Use Rule 72(t) to Retire Early
If you are under age 59½ and have $200,000 or more in your 401(k), IRA, or other qualified retirement plan in Oregon, our 72(t) SEPP specialists can help you access your funds without the 10% early withdrawal penalty.
Under IRS Rule 72(t), Substantially Equal Periodic Payments (SEPP) allow you to draw a regular income from your retirement accounts without triggering the early withdrawal penalty. Our team helps Oregon clients structure these plans with precision and full compliance.
- Serving all major cities in Oregon
- Dedicated 72(t) SEPP expertise
- Compliant, penalty-free distribution structures
- Fiduciary standard — your interests first
- Free initial consultation