72(t) Professor Articles

Should I Take a SEPP? Understanding and Calculating Substantially Equal Periodic Payments

September 11, 2023

Planning for retirement is a critical aspect of financial management. It involves making decisions that will impact your financial stability in the future. One such decision is whether or not …

Continue Reading

How to Cash Out 401(k) Without Penalty: A Comprehensive Guide to Borrowing from 401(k)

September 4, 2023

Retirement savings are a crucial part of financial planning. Among the various retirement savings plans, the 401(k) plan stands out due to its tax advantages and employer matching contributions. However, …

Continue Reading

Can I Take More Than My 72(t) Distribution? Understanding SEPP Calculation

August 29, 2023

Are you considering early retirement, or do you need to tap into your retirement savings before reaching the age of 59.5? If so, you might be wondering about the 72(t) …

Continue Reading

Rule 72(t) SEPP-Top 10 Things To Do Now

August 22, 2023

72(t) SEPP (Substantially Equal Periodic Payments) is a financial planning strategy by which you can take penalty-free withdrawals from your IRA or old 401(k) before the age of 59½. However, …

Continue Reading

Rule 72(t) SEPP-Top 10 Things To NOT Do

Here are the Top 10 things you should NOT do when considering a 72(t) SEPP: 1. Do not set up a 72(t) SEPP without consulting with a financial advisor: It …

Continue Reading

Can You Stop Taking 72(t) Distributions? Understanding the SEPP Calculation

August 21, 2023

Are you considering early retirement and wondering about the financial implications? If so, you may have come across the term “72(t) distributions” or “Substantially Equal Periodic Payments (SEPP).” This IRS …

Continue Reading

We Are Specialists. We Can Help.

Would you like a personalized estimate of the amount of penalty-free income your 401(k), TSP, 403(b), 457 plan or IRA can generate using the IRS Rule 72(t)?

Simply provide us some basic information by clicking the button below and one of our 72(t) Specialists will contact you to provide a personalized estimate for your review.

Complimentary. No Risk. No Obligations.

Want to know if 72(t) makes sense for you?
Ask The Professor.

  • This field is for validation purposes and should be left unchanged.