One of the most common questions people ask when searching for a 72(t) consultant is: 'How much does it cost?' The answer varies depending on the consultant's fee structure, the complexity of your situation, and the level of ongoing support you need. Here's what to expect.
Typical Fee Structures
72(t) consultants typically charge in one of three ways: a flat fee for plan design and implementation (typically $500–$2,500), an ongoing annual management fee (typically 0.5%–1% of assets under management), or a combination of both. Some consultants offer a free initial consultation to evaluate your situation before quoting fees.
What's Included in the Fee
A comprehensive 72(t) consulting engagement should include: analysis of your retirement accounts and income needs, calculation of all three IRS-approved distribution methods, formal plan documentation, implementation guidance, and ongoing compliance monitoring for the duration of the plan. Make sure you understand exactly what's included before agreeing to any fee arrangement.
The Cost of Getting It Wrong
The cost of a 72(t) mistake is far greater than any consulting fee. If your plan is designed incorrectly or you make an unauthorized modification, the 10% penalty applies retroactively to all prior distributions — potentially tens of thousands of dollars, plus interest. The right consultant is an investment, not an expense.
Free Initial Consultations
Many qualified 72(t) consultants offer free initial consultations to evaluate your situation and explain your options. This is a low-risk way to assess a consultant's expertise before committing. Our team offers free, no-obligation consultations — call (844) 558-5997 or schedule online.
Evaluating Value, Not Just Price
When evaluating 72(t) consultants, don't focus solely on price. Consider their experience, their track record, the quality of their documentation, and the level of ongoing support they provide. A slightly higher fee from a highly experienced consultant is almost always worth it compared to a lower fee from someone with limited SEPP experience.
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