In this episode of Wealth Wisdom with Stuart J. Spivak, Stuart shares his expertise as the 72(T) Professor, guiding listeners through the often-misunderstood IRS Rule 72(T). Discover how this little-known tax code can help you access retirement funds early—without paying the 10% penalty—and how to avoid common pitfalls when implementing this strategy.

Main Points Discussed:

• What is IRS Rule 72(T)? – An overview of the IRS provision allowing penalty-free withdrawals before age 59½.
• Strict Requirements and Rules – Understanding SEPP (Series of Equal Periodic Payments) and the consequences of breaking compliance.
• Real-Life Case Studies – How clients have successfully used 72(T) to retire early, start businesses, and support life changes.
• Tax Implications – Clarifying taxes owed and strategies to minimize the impact while avoiding penalties.
• Why Expertise Matters – Insights into why major institutions like Fidelity and Vanguard refer clients to specialists like Stuart for guidance.

Ready to learn how you can unlock your retirement savings without penalties?

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