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A True 72(t) Planning Pioneer

“Doc” Hall was the “go to” expert and offered his services to individuals nationwide in this specialized area known as SEPP or 72(t) planning

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Is 72t a Solution to a “Need” or a “Want”

Wealth building is achieved systematically by automatic deduction or transferring funds to separate savings, 72t investment accounts.

72t Exemption Rules

72t Exceptions Explained

Completing your 72t early retirement distribution and documenting your IRS 72t exceptions correctly, will provide a stream of retirement income.

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What Is an Early IRA 72(t) Distribution?

Estimate what your IRA might produce for an income, using a 72(t) for early withdrawals to eliminate the IRS penalty.

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Accessing Your Retirement Income from a 401(k) Plan Using 72t

Relevant questions to ask and learn about accessing your 401(k) retirement income using a 72(t) distribution without penalty.

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Do I pay any taxes on a 72t early distribution?

Retirement accounts are 100% tax deferred until you start taking withdrawals. Remember, 100% of the dollars taken from your retirement account will be added to your adjusted gross income when filing your taxes.

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How are 72(t) distributions calculated by using the IRS 72(t) rule?

There are 3 IRS standard methods on how 72(t) distributions are calculated: Amortization Method, Annuitization Method, & Required Minimum Distribution Method

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

There are several ways you can “bust” a 72(t) distribution, and the consequences can have a severe impact on your taxes if the account is not managed properly.

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

There are several avenues, we can take to structure the income that you want or need, assuming it within reasonable expectations.

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Please Note: We are a full service Financial Planning and Asset Management Firm that works directly with individuals and business owners nationwide and we don’t provide advice to other financial professionals.

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