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Is 72(t) right for you?
72(t) SEPP Master Class
Under Age 59 1/2 and want or need to unlock your pre-tax IRA, 401(k), 403(b), TSP or Pension money penalty-free? Looking to retire early? Start your own business? Pay off debt? Start living life? Real Estate? IRS Rule 72(t) SEPP is the financial planning strategy that legally allows you to access your retirement money early and penalty-free if you follow the rules.
Learn if IRS Rule 72(t) SEPP is right for you. Our 4 modules and 24 video lessons walk you through what you need to know now.
IRS Rule 72(t) SEPP is the financial planning strategy that allows individuals under Age 59 1/2 to access their pre-tax retirement money without penalty. The IRS has strict rules and guidelines that must be followed in order to properly execute this income strategy. Learn what you need to know now to ensure that you stay in compliance and don’t end up on the IRS’ mailing list (not a good list to be on)
Module 1: What is 72(t)
- Reasons to access retirement money before age 59 1/2
- The Age 55 Rule
- The most common pitfalls of the rule
Module 2: What is a Rollover
- …so Do I have to do a rollover?
- How are distributions calculated?
- How life expectancy is calculated
- 2022 changes
- Roth or not to Roth
- Planning ideas
- Rate of return vs. IRS interest rate
- Systematic payments
Module 3: Do I pay any taxes?
- Tax withholding and proper coding
- 72(t) friendly custodians
- Sample Form 1099-R
- Breaking a 72(t) example
- Self-Directed IRA’s (real estate)
Module 4: How we can help
- How we can help
- Speaking to a Specialist
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