ATTENTION: business owners, career shifters, early retirees

🔓Unlock Your Retirement Funds Early – Without IRS Penalties

Take the quiz to find out if the 72(t) strategy is right for you!

Why People Are Taking This Quiz

  • Discover if you're eligible to withdraw from your IRA/401(k) before 59½ – without penalties

  • Understand how to reposition funds for future tax-free income

  • Get matched with a financial expert for a free 15-minute consultation

  • Avoid common IRS pitfalls that cost retirees thousands

Don't worry, we can help!

How We Help

  • Explain how the 72(t) strategy works—plain and simple

  • Evaluate your portfolio to see if it's the right fit for your situation

  • Help you avoid common tax traps with expert guidance and implementation

  • Design a step-by-step strategy customized to your goals

Not everyone qualifies for this strategy—but you might.

Take the 2-Minute 72(t) Fit Quiz

Take our short quiz to find out if the 72(t) strategy is a fit for your situation. It only takes 2 minutes and could save you years of waiting (and thousands in taxes).

Once you complete the quiz, we’ll show you your results and invite you to book a free 15-minute discovery call to review your options with a qualified specialist.

No pressure. Just answers.

STILL NOT SURE?

Frequently Asked Questions

We understand this can be a complicated and mostly unheard of process so we've compiled a list of common questions our clients and others have had...

Question 1: When can you typically take money out of a 401(k) or IRA without penalty?

The standard age for taking money out of your 401(k) plan is age 59 ½. There are other situations where you can withdraw cash out of your 401(k) plan before the age of 59 ½ without paying a penalty.

Question 2: What will it cost me to set up a 72(t) distribution plan?

There are many different investment options that we can discuss with you and there are 3 steps in this process. If we are managing the account and payments for you, there is no additional fee for us to work on this for you. This is not a do-it-yourself project for many reasons.

Question 3: What will happen if I don't do the distribution and maintain it correctly?

There are several ways you can bust a 72(t) distribution and the consequences can have a severe impact on your taxes if the account is not managed properly. If a fault occurs, the IRS will assess the penalty tax on your latest distribution and retroactively assess the tax on all distributions taken plus interest. This is why it’s so important to work with an experienced specialist when establishing a 72(t) distribution. Most investment advisory firms, as well as most accountants, attorneys, and bankers, are not very familiar with this strategy and many choose to avoid it altogether due to the complexities and potential implications.

Question 4: Do I pay income tax on the 72(t) distributions?

The answer is yes. By taking income through a 72(t), you are not avoiding income tax, but you are avoiding the 10% early withdrawal penalty.

Question 5: Can I work or receive other income while taking a 72(t) distribution?

Absolutely! You can start the stream of income with no penalties or hassle with the IRS, assuming you structure the distribution properly.

Question 6: Is it possible to use the 72(t) exemption rule to only withdraw a small amount of money from your retirement account and not the entire balance as the rule states?

You can open multiple retirement accounts and can choose to only apply the 72(t) distributions to just one of your retirement accounts, not all of them. This can most times be a complex process. We have a highly trained and experienced staff to assist and oversee that this is done in the proper manner. A mistake here could be very costly.

Question 7: What will the distribution be moved into and what rate of return or expectation will there be from it?

We cannot answer this question without having a conversation with you and obtaining a comprehensive understanding of your goals, objectives, financial picture, investment experience, and risk tolerance. The expected rate of return will depend on the investment choices that we deem fit for your retirement game plan once we have reviewed and understood your personal information, situation, and goals.