72(t) Early Retirement - Serving Clients Nationwide

Are you under age 59 1/2 and need retirement income now? Learn how to access your retirement income penalty-free using 72(t).

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Free 72t Consultation

A 72(t) strategy can create penalty-free income from your IRA, 401(k), 403(b), pension or retirement fund.

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Free 72t Consultation

A 72(t) strategy can create penalty-free income from your IRA, 401(k), 403(b), pension or retirement fund.

Learn More

Is a 72(t) distribution the right choice for you?

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A 72(t) strategy can create penalty-free income from your IRA, 401(k), 403(b), pension or retirement fund.

Knowledge Base

Spivak Financial Group

What is 72T?

What happens if I don’t maintain my 72(t)
distributions correctly?

What is a Rollover?

What will be my interest rate or expected
rate of return?

Can multiple retirement savings accounts
and vehicles be used for a 72(t) distribution?

What is the #1 Concern About Retirement?

Ask the Professor

Are You Retirement Ready?

What is the #1 concern about retirement?

Will I outlive my money…” is the most common question we hear from retirement-minded investors…

Meet Your 72t Specialists

As 72t early retirement specialists, our mission is to help those under age 59 ½ to utilize and enjoy their retirement money without the tax penalty associated with early retirement due to corporate downsizing, voluntary retirement or unexpected loss of work…

What is 72(t)?

72(t) is the Internal Revenue Code Section that covers withdrawals from retirement accounts – 401k’s, 403(b)’s including Qualified Annuities, Pensions, Individual Retirement Accounts (IRA’s), or any other tax deferred retirement savings vehicles…

How are 72(t) distributions calculated?

There are 3 standard methods the IRS allows us to use in determining a 72(t) distribution: The Amortization Method,  Annuitization Method, and Required Minimum Distribution Method…

Do I pay any taxes on a 72(t) distribution?

Remember, retirement accounts are 100% tax deferred until you start taking withdrawals. Whether you are at, above, or under age 59%, 100% of the dollars taken from your retirement account will be added to your Adjusted Gross income when filing your taxes…

How is life expectancy determined & what interest rate is used?

The life expectancy tables that can be used are: The Uniform Life Table, the Single Life Table, and the Joint Life and Last Survivor Table…

What is a 72(t) distribution penalty?

The IRS is unforgiving with a 72(t) distribution penalty. Once 72t payments begin, they cannot be stopped or modified for any reason…

What is a "rollover"?

Rollover” is a term that is used when transferring money from one retirement account to another to maintain its tax-deferred status. Typically, if you take money out of a retirement account, the amount of money leaving the account is added to your Adjusted Gross Income

What is an IRA "rollover"?

AN IRA ROLLOVER
Generally, after a person retires, quits or is let go, they are given the option to “Rollover” their retirement plan(s) into a new company’s plan, if available, or into an IRA Individual Retirement Account/Annuity

Are You Asking the Right Questions About Using 72(t)?

Our mission is to help those under age 59 ½ to utilize and enjoy their retirement money without the tax penalty associated with early retirement due to corporate downsizing, voluntary retirement or unexpected loss of work.

Get a Free Consultation

Are You Asking the Right Questions About Using 72(t)?

Our mission is to help those under age 59 ½ to utilize and enjoy their retirement money without the tax penalty associated with early retirement due to corporate downsizing, voluntary retirement or unexpected loss of work.

Get a Free Consultation

Getting Started with a 72(t) Strategy

401(k) Early Distribution using 72(t)

IRA Early Distribution Using 72(t)

72(t) Early Retirement Facts

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Connect with a 72(t) Specialist for a Complimentary Consultation

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Feel free to call us directly...

1 (844) PROF-72T

Monday - Friday,
9am - 6pm

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Our Email

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72tProfessor@spivakfinancial.com
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as soon as possible.

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8160 E Butherus Drive
Suite #5,
Scottsdale, AZ 85260

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