72t Advisor In Reading, PA

72(t) SEPP Planning Services in Reading

If you live in Reading and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Reading clients to build compliant, penalty-free distribution plans.

Rule 72(t) SEPP plans are not DIY-friendly. A single miscalculation can trigger the IRS to apply the 10% penalty retroactively to every distribution you've taken — plus interest. Reading clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

From the initial consultation to the final distribution, Spivak Financial Group manages every aspect of your 72(t) SEPP plan. Reading clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

Why Choose a 72t Advisor in Reading?

• Reading 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?

Our Reading specialists will review your eligibility, but here are the general requirements:

• 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)