Finding the best 72(t) consultant in your state requires knowing what to look for and how to evaluate their expertise. While 72(t) SEPP planning is a nationwide service — most consultants work with clients remotely via phone and Zoom — understanding the landscape of qualified consultants by state can help you make an informed decision.
What Makes a '72(t) Consultant' Qualified?
The term '72(t) consultant' isn't a regulated credential, so it's important to evaluate qualifications carefully. Look for consultants who: are registered with FINRA and can be verified on BrokerCheck, hold relevant financial planning designations (CFP, ChFC, CLU), have specific experience designing and managing SEPP plans, and can clearly explain all three IRS-approved calculation methods.
Nationwide vs. Local Consultants
Because 72(t) SEPP planning is primarily a technical and regulatory exercise — not a service that requires in-person meetings — the best consultants often work with clients nationwide via phone and Zoom. This means you're not limited to consultants in your immediate area. In fact, a specialized nationwide consultant with deep 72(t) expertise may serve you better than a local generalist.
How to Evaluate a 72(t) Consultant
When evaluating any 72(t) consultant, ask for references from clients who have completed SEPP plans, ask about their experience with IRS audits of 72(t) plans, review their credentials on FINRA BrokerCheck, and ask specifically how many 72(t) plans they've designed. A consultant who specializes in this area will have clear, confident answers to all of these questions.
The Importance of Ongoing Support
The best 72(t) consultants don't just design your plan and disappear — they provide ongoing support throughout the required distribution period. Ask any prospective consultant about their monitoring process, how they handle account changes, and what support they provide if you're audited. Ongoing compliance support is a hallmark of a quality 72(t) consultant.
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Our nationwide team of certified 72(t) SEPP consultants serves clients in all 44 states. We specialize exclusively in 72(t) SEPP planning and have helped hundreds of clients access their retirement funds penalty-free. Schedule a free consultation to evaluate our expertise firsthand.
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