72t Advisor In Lubbock, TX

72(t) SEPP Planning Services in Lubbock

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

Our team of 72(t) specialists serving Lubbock and the surrounding Texas 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. Lubbock clients appreciate our thorough approach and our commitment to keeping their plans fully compliant.

The Spivak Advantage for Lubbock Clients

• Nationwide service available to all Lubbock 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

To qualify for a 72(t) SEPP plan, you generally need:

• 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)