72t Advisor In Morgantown, WV

72(t) SEPP Planning Services in Morgantown

Accessing retirement funds early doesn't have to mean paying a 10% penalty. Morgantown 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.

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

Our team of 72(t) specialists serving Morgantown and the surrounding West Virginia 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 Morgantown Clients

• Serving Morgantown 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?

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

• 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)