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Borrowing from 401(k) versus 72(t) SEPP What You Need to Know
401(k) / SEPP

Borrowing from 401(k) versus 72(t) SEPP: What You Need to Know

When it comes to retirement planning, making smart decisions will help you reach your financial goals. Two often-used  strategies for accessing money when needed are borrowing from 401(k) and using …

How Does the IRS Calculate Life Expectancy
SEPP / SEPP Calculation Articles

How Does the IRS Calculate Life Expectancy?

When it comes to retirement planning, it’s important to understand how the Internal Revenue Service (IRS) calculates life expectancy. Knowing this information can help you plan for your future and …

Retire Early and Plan Wisely with 72(t) SEPP
72(t) Articles / Early Retirement / Retirement Planning

Retire Early and Plan Wisely with 72(t) SEPP

Introduction: The Freedom of Early Retirement The dream of retiring early and enjoying the fruits of your labor is a common goal shared by many. However, the reality is that …

What are the Rules for a 72(t) Distribution
Uncategorized / SEPP

What are the Rules for a 72(t) Distribution?

Introduction As you plan for your retirement, you may be considering ways to access your retirement funds early without incurring penalties. One option is the  IRS Rule 72(t) SEPP distribution, …

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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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