72t Advisor In Mount Pleasant, SC

72(t) SEPP Planning Services in Mount Pleasant

If you live in Mount Pleasant and have substantial retirement savings you need to access before 59½, IRS Rule 72(t) may be your solution. Our specialists work with Mount Pleasant 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. Mount Pleasant 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. Mount Pleasant clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

The Spivak Advantage for Mount Pleasant Clients

• Nationwide service available to all Mount Pleasant 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

Who Qualifies for a 72(t) SEPP Plan?

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

• 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)