72(T) RESOURCES

72(t) Consultant Articles & Guides

Expert guidance on finding a 72(t) consultant, understanding SEPP plans, and accessing your retirement funds before 59½ without IRS penalties.

Consultant Guide7 min read

How to Find a 72(t) Consultant

Not all financial advisors understand 72(t) SEPP rules. Learn what to look for when searching for a qualified 72(t) consultant in your area.

March 10, 2025

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SEPP Planning8 min read

What Does a 72(t) Consultant Do?

A 72(t) consultant specializes in designing IRS-compliant SEPP plans. Here's exactly what they do and why their expertise matters for your retirement.

February 28, 2025

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State Guide9 min read

Best 72(t) Consultants by State

Finding a qualified 72(t) SEPP consultant in your state is critical to avoiding costly IRS penalties. Here's what to look for and how to evaluate consultants.

February 15, 2025

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Consultant Guide6 min read

10 Questions to Ask a 72(t) Consultant Before Hiring

Before you hire a 72(t) consultant, ask these 10 essential questions to verify their expertise, experience, and approach to SEPP plan design.

January 30, 2025

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SEPP Planning7 min read

72(t) Consultant vs. Financial Advisor: What's the Difference?

Many financial advisors claim to understand 72(t) rules, but few specialize in SEPP planning. Here's why working with a dedicated 72(t) consultant matters.

January 15, 2025

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Consultant Guide5 min read

How Much Does a 72(t) Consultant Cost?

Understanding the cost of working with a 72(t) SEPP consultant — and why the right consultation is worth every penny compared to a costly IRS mistake.

December 20, 2024

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SEPP Basics10 min read

What Is a SEPP Plan? A Complete Guide to 72(t) Distributions

A Substantially Equal Periodic Payments (SEPP) plan lets you access retirement funds before 59½ without the 10% penalty. Here's everything you need to know.

December 5, 2024

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SEPP Planning8 min read

The 3 IRS-Approved 72(t) Calculation Methods Explained

The IRS allows three methods for calculating 72(t) SEPP distributions: RMD, Fixed Amortization, and Fixed Annuitization. Your consultant will help you choose the best one.

November 20, 2024

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IRS Compliance9 min read

7 Costly 72(t) Mistakes That Trigger IRS Penalties

A single mistake in your 72(t) SEPP plan can trigger the 10% penalty retroactively on all prior distributions. Here are the 7 most common mistakes to avoid.

November 5, 2024

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Early Retirement11 min read

Using 72(t) for Early Retirement: A Complete Strategy Guide

If you're planning to retire before 59½, a 72(t) SEPP plan can be a powerful tool. Here's how to use it as part of a comprehensive early retirement strategy.

October 22, 2024

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IRS Compliance7 min read

Can I Modify My 72(t) SEPP Plan After It Starts?

Once a 72(t) SEPP plan begins, the rules for modification are strict. Here's what you can and cannot change — and what happens if you make an unauthorized modification.

October 8, 2024

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SEPP Planning8 min read

72(t) Distributions from IRA vs. 401(k): Key Differences

The rules for 72(t) SEPP distributions differ depending on whether you're drawing from an IRA or a 401(k). Here's what you need to know before starting your plan.

September 25, 2024

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