72t Advisor In Huntington, WV

72(t) SEPP Planning Services in Huntington

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Huntington clients who qualify for IRS Rule 72(t) can receive regular, penalty-free income from their retirement accounts — and we'll help you do it right.

Rule 72(t) SEPP plans are not DIY-friendly. A single miscalculation can trigger the IRS to apply the 10% penalty retroactively to every distribution you've taken — plus interest. Huntington clients trust Spivak Financial Group because we specialize exclusively in these complex plans.

Huntington 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 Huntington Clients Choose Us for 72(t) Planning

• Serving Huntington and all of West Virginia
• Expert guidance on all three SEPP calculation methods
• Penalty-free early retirement income strategies
• Accredited, credentialed financial professionals
• Responsive, personalized service
• Schedule your free consultation today

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

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

• 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)