NATIONWIDE 72(T) SEPP CONSULTING
Find a Certified
72(t) Consultant
Near You
Access your retirement funds before age 59½ without the 10% IRS penalty. Our nationwide team of 72(t) SEPP consultants helps you build a compliant, penalty-free distribution plan.
WHAT IS 72(T)?
Penalty-Free Early Retirement Access
IRS Section 72(t) allows individuals to take Substantially Equal Periodic Payments (SEPP) from their IRA or retirement account before age 59½ — without the standard 10% early withdrawal penalty.
A qualified 72(t) consultant structures your SEPP plan using one of three IRS-approved calculation methods, ensuring full compliance throughout the required distribution period.
3
IRS-Approved Calculation Methods
59½
Age Threshold for Penalty-Free Access
10%
IRS Penalty Avoided with SEPP
5 Yrs
Minimum SEPP Plan Duration
WHY WORK WITH A CONSULTANT
What Does a 72(t) Consultant Do?
A 72(t) consultant specializes in designing, implementing, and maintaining IRS-compliant SEPP plans — protecting you from costly mistakes that could trigger retroactive penalties.
SEPP Plan Design
Your consultant analyzes all three IRS-approved calculation methods (RMD, Fixed Amortization, Fixed Annuitization) and recommends the optimal strategy for your income needs.
IRS Compliance
A single mistake in your 72(t) plan can trigger the 10% penalty retroactively on all prior distributions. Your consultant ensures every detail meets IRS requirements.
Ongoing Monitoring
Your consultant monitors your plan throughout the required distribution period, adjusting for account changes and ensuring continued compliance year after year.
FIND A CONSULTANT NEAR YOU
72(t) Consultants by State
We serve clients in 44 states nationwide. Select your state to find a 72(t) SEPP consultant near you.
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Ready to Access Your Retirement Funds Early?
Schedule a free, no-obligation consultation with a certified 72(t) consultant. We'll review your accounts, calculate your potential distributions, and explain your options.