Who This Strategy Is Designed For:
A 72(t) SEPP strategy can allow individuals to access retirement funds before age 59½ without the 10% early withdrawal penalty.
This approach typically works best for individuals who:
Are age 45-58
Have $350,000 + in deferred retirement accounts (401k, 403(b), IRA, or TSP)
Want to access retirement funds before age 59 ½
Are planning early retirement or leaving a corporate job
Want a structured, IRS-compliant distribution plan
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We offer 72(t) SEPP CPA Consultation Services Tailored to Your Needs
In a typical 72(t) SEPP consulting engagement, we will perform the following:
Free introductory call with a CPA to answer any questions you have on SEPPs, discuss our process and determine if SEPPs are right for you.
Review of your retirement assets to include a planning discussion, possible structures of SEPP accounts, and cash flow projections under various scenarios.
Building your specialized 72(t) SEPP Documentation, ensuring you have the appropriate support if the IRS challenges your SEPP withdrawals.
Assistance in executing your 72(t) SEPP plan to include step-by-step instructions and ongoing support if issues arise.
Note this service is not providing an IRS Private Letter Ruling, rather this is a SEPP consultation engagement.
Why a CPA specializing in 72(t) SEPPs
One of the common questions we receive is “Why do I need a CPA?” There are several reasons why you may not want to go it alone setting up a 72(t) SEPP plan.
SEPP Calculations can be complex, the IRS offers several options, some should be avoided.
IRS has a zero tolerance for mistakes, and will assess stiff retroactive penalties for errors.
Our process is designed specifically to mitigate comment SEPP mistakes, and allow for flexibility.
Access to an expert to call if issues arise.
Stay one step ahead of the IRS with necessary support in the event withdrawals are questioned.
Fixed 72(t) SEPP Engagement Fee
$799
Click on the link below to schedule a 15-minute consultation to review your situation and determine if a 72(t) SEPP plan is a good fit for you.
Questions About Early Retirement Access
No - unlike many wealth advisors advertising SEPP services, Early Retirement Access offers 72(t) SEPP consultations as a fee only service, and do not charge as a percentage of your assets. ERA believes your retirement assets are your own.
This depends on several factors, but generally, you can begin receiving your SEPP payment within a week or two of contacting us.
Yes, all SEPP consultations are provided by registered active CPAs with extensive knowledge setting up SEPPs.
Anyone under age 59 ½ with an IRA/401k/403b who would like supplemental income is a candidate for SEPPs. Typically our clients are in early retirement or are transitioning from workforce to self-employment or to start their own business. Others are seeking tax planning tools and reducing balances in their tax deferred accounts to minimize future RMDs in retirement.
Yes, we use an encrypted Box Folder for document collection and sharing.
Yes, at times we work with investment and wealth advisors on SEPP Consultation engagements for their clients.
Still have questions?
Feel free to click on the link to schedule a free call, or e-mail a question to info@earlyretirementaccess.com
Early Retirement Access Testimonials
Choosing a financial expert can be a difficult and time-consuming process. At Early Retirement Access, we believe in a transparent approach to both fees and financial advice. Our goal is to make it as easy as possible for you to access your retirement funds when you need them.
We believe our clients appreciate this approach.