72t Advisor In Charleston, WV

72(t) SEPP Planning Services in Charleston

Charleston residents with $200,000 or more in a 401(k), IRA, or other qualified retirement account may be eligible to take penalty-free early distributions under IRS Rule 72(t). Let our specialists show you how.

The Substantially Equal Periodic Payments (SEPP) provision under IRS Rule 72(t) is one of the most powerful — and most misunderstood — retirement planning tools available to Charleston residents. Our advisors have the specialized knowledge to structure these plans correctly from day one.

Spivak Financial Group has guided clients in Charleston and across West Virginia through the 72(t) SEPP process — from initial eligibility review to ongoing compliance monitoring. We're with you every step of the way.

What Sets Our Charleston 72(t) Service Apart

• Trusted by clients in Charleston 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

Are You Eligible for a 72(t) SEPP Plan?

Most Charleston residents who qualify for a 72(t) SEPP plan meet these criteria:

• Must be younger than 59½ when distributions begin
• Retirement account balance of $200,000 or more
• Stable financial situation that supports a fixed distribution schedule
• Understanding that the SEPP plan must run for the longer of 5 years or until age 59½