72t Advisor In Knoxville, TN

72(t) SEPP Planning Services in Knoxville

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

Our team of 72(t) specialists serving Knoxville and the surrounding Tennessee area has helped hundreds of clients structure compliant SEPP plans that provide reliable income while protecting them from costly IRS penalties.

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

The Spivak Advantage for Knoxville Clients

• Nationwide service available to all Knoxville 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

Qualifying for IRS Rule 72(t) Early Distributions

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

• Age under 59½ — this strategy is for early retirees and those who retire early
• Minimum $200,000 balance in an IRA, 401(k), 403(b), or similar account
• Ability to sustain the required distribution schedule for 5+ years
• No need to modify the plan once established (changes trigger penalties)