Access Your Retirement Funds Early and Avoid the 10% IRS Penalty.
You don’t retire on investments alone. You retire on a reliable income, smart tax decisions, and protection against risks most advisors ignore.
Our retirement planning services are built for people who want clarity—not guesswork—about how their income will work once paychecks stop.
My National Producer Number (NPN): 15524738
Designation: CRPC® (Chartered Retirement Planning Counselor)
Call us now at 770-755-1565 or request a quote below
Why You Need an Expert Calculation
The IRS is unforgiving when it comes to Rule 72(t). A single decimal point error or an accidental mid-year contribution can “break” your plan, triggering immediate “recapture” taxes and interest on every dollar you’ve withdrawn.
A 72(t) Specialist ensures:
- Optimal Methodology: We compare the Amortization, Annuitization, and Life Expectancy methods to find the highest (or lowest) payment allowed for your needs.
- Account Structuring: We help you determine if you should “split” your IRA to hit a specific monthly income target.
- The “Five-Year Rule” Audit: We track the exact timeline to ensure you don’t stop payments a day too early.
Who This Is For
- Early Retirees: You have the assets, but you aren’t 59½ yet.
- Career Changers: You need a bridge between your old 401(k) and a new venture.
- High Net-Worth Individuals: You want to reduce the future size of your RMDs (Required Minimum Distributions).
The Cost of a Mistake vs. The Value of Advice
If you modify a 72(t) schedule early, the IRS applies the 10% penalty retroactively to all previous distributions, plus interest. On a $250,000 distribution plan, a simple mistake could cost you $35,000+ in avoidable fees.
Start Your SEPP Plan Today
- Book: Pick a time that works for your schedule.
- Analyze: We review your account balances and age to determine your “Best Case” distribution.
- Execute: Get a clear roadmap for your Substantially Equal Periodic Payments (SEPP).
Call us now at 770-755-1565 or schedule a free consultation below