72t Advisor In Bend, OR

72(t) SEPP Planning Services in Bend

Many Bend 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 Bend 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 Bend residents choose Spivak Financial Group: our specialized expertise protects your financial future.

What Sets Our Bend 72(t) Service Apart

• Nationwide service available to all Bend 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

72(t) SEPP Eligibility Requirements

Most Bend residents who qualify for a 72(t) SEPP plan meet these criteria:

• Under age 59½ at the time distributions begin
• A qualifying retirement account with at least $200,000
• Commitment to maintain the SEPP schedule without modification
• A clear financial need for early retirement income