72t Advisor In Scranton, PA

72(t) SEPP Planning Services in Scranton

Are you under age 59½ and looking to access your retirement savings in Scranton, Pennsylvania without paying the 10% early withdrawal penalty? Our 72(t) SEPP specialists can help.

Under IRS Rule 72(t), you can establish a Substantially Equal Periodic Payments (SEPP) schedule that lets you draw income from your retirement accounts without the 10% penalty. The rules are strict — calculations must be exact and the schedule maintained — which is why Scranton clients rely on our specialists.

Scranton clients who work with Spivak Financial Group benefit from our exclusive focus on 72(t) SEPP planning. Unlike generalist advisors, we understand every nuance of IRS Rule 72(t) and how to apply it to your unique financial situation.

Why Scranton Clients Choose Us for 72(t) Planning

• Trusted by clients in Scranton and across the nation
• Precise SEPP calculations using IRS-approved methods
• Protection from retroactive IRS penalties
• BrokerCheck verified through FINRA
• Transparent, straightforward advisory fees
• Complimentary retirement income analysis

Who Qualifies for a 72(t) SEPP Plan?

Qualifying for a 72(t) SEPP plan typically requires the following:

• 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)