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Category: Retirement Planning

Should a Retiree Have a Financial Advisor
Retirement Planning

Should a Retiree Have a Financial Advisor?

Retirement is a significant milestone in one’s life, marking the end of a long journey of hard work and dedication. It’s also the beginning of a new phase where one …

What Happens to My Social Security if I Retire at 55 Understanding the Implications of Early Retirement
Early Retirement / Retirement Planning

What Happens to My Social Security if I Retire at 55? Understanding the Implications of Early Retirement

Retirement is a significant milestone in one’s life, and it’s crucial to plan for it wisely. One common question that arises when considering early retirement is, “What happens to my …

Retirement Money
Retirement Planning

How Much Money Should I Save to Retire Early?

The dream of retiring early is one that many people share. The idea of leaving the workforce while you’re still young enough to enjoy your golden years is appealing. However, …

401k Withdrawal Guidelines
401(k) / 72(t) Distribution / Retirement Planning

Secrets to Early Withdrawals from 401K or TSP Penalty-Free | Early Retirement Hack

Retirement is something that all of us look forward to, but it can be difficult to know when and how to start planning for it. One of the most important …

401k with SEPP
401(k) / 72(t) Distribution / Retirement Planning

Do You Have to Use All of Your 401k with 72(t) SEPP?

401k plans are an important part of retirement planning. They allow you to save money for retirement on a tax-deferred basis, meaning that you don’t have to pay taxes on …

Retirement Money
401(k) / 72(t) Distribution / Retirement Planning

How Much Money Do I Need to Retire at 55?

Retiring at the age of 55 is an attractive prospect for many people. It allows you to enjoy your life and pursue your passions without having to worry about working …

401k Rollover
401(k) / 72(t) Distribution / Retirement Planning

Introduction to 401k Rollovers

Retirement planning is an important part of financial security. One of the most popular ways to save for retirement is through a 401k plan. A 401k plan is a type …

401k downside
401(k) / 72(t) Distribution / Retirement Planning

What is the downside to borrowing against your 401k?

401k loans are a popular way for people to access funds quickly, but they come with a number of risks and drawbacks. In this blog post, we’ll discuss the potential …

Retirement Hacks
401(k) / 72(t) Distribution / 72t Professor / Early Retirement / Retirement Planning

Secrets to Early Withdrawals from 401K or TSP Penalty/Tax-Free | Early Retirement Hack

Retirement is something that all of us look forward to, but it can be difficult to know when and how to start planning for it. One of the most important …

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The content, products and services offered on this website are related solely to IRS Rule 72(t) and the “Substantially Equal Periodic Payments” (SEPP) provision of the Rule that allows individuals to access their qualified funds, penalty free, prior to the age of 59 ½. They are offered for educational purposes only and should not be considered as securities or investment advice, which can only be offered after a thorough assessment of one’s financial background and suitability profile. 72(t) Professor and The Spivak Financial Group are separate entities.

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