72t Advisor In Richmond, VA

72(t) SEPP Planning Services in Richmond

Are you under age 59½ and looking to access your retirement savings in Richmond, Virginia 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 Richmond clients rely on our specialists.

Richmond 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 Choose a 72t Advisor in Richmond?

• Local expertise serving Richmond and Virginia clients
• Dedicated 72(t) SEPP specialists — not generalist advisors
• Compliant structures that protect you from IRS penalties
• Fiduciary standard — your financial interests come first
• Free initial consultation with no obligation
• Ongoing compliance monitoring and support

72(t) SEPP Eligibility Requirements

Our Richmond specialists will review your eligibility, but here are the general requirements:

• 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)