72t Advisor In Salt Lake City, UT

72(t) SEPP Planning Services in Salt Lake City

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

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 Salt Lake City clients rely on our specialists.

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

The Spivak Advantage for Salt Lake City Clients

• Trusted by clients in Salt Lake City 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

72(t) SEPP Eligibility Requirements

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

• 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)