72(t) SEPP PLANNING
72t Advisor In Washington
If you live in Washington and need to access your retirement funds before age 59½, Spivak Financial Group is here to help. We work with Washington clients remotely via phone and Zoom — no office visit needed. Schedule a free consultation to see how we can help you access your retirement funds early and penalty-free.
Schedule Your Free ConsultationPenalty-Free Retirement Income for Washington Residents
For Washington clients who need income from their retirement accounts before reaching 59½, a properly structured 72(t) SEPP plan eliminates the 10% penalty. You need at least $200,000 in a qualifying account to get started.
Getting a 72(t) SEPP plan wrong can result in the IRS applying the 10% penalty retroactively to all prior distributions, plus interest. That's why Washington clients trust Spivak Financial Group — we specialize exclusively in these complex plans.
- Serving all major cities in Washington
- Dedicated 72(t) SEPP expertise
- Compliant, penalty-free distribution structures
- Fiduciary standard — your interests first
- Free initial consultation