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72t Discussion Forum

Welcome to the 72t Discussion Forum where members discuss all things 72t!

Status

Topics

Replies

Views

Users

Date

How to create a new Forum post

0

1,439

May 21, 19

May 21, 19

Vanguard Settlement Fund

7

16

Mar 09

Mar 09

About to take the plunge, can you double check my work?

9

40

Feb 26

Feb 26

Rolled over to Vanguard, original amount less than what was invested

2

4

Feb 26

Feb 26

Delay 72t in Bear Market

5

14

Jan 27

Jan 27

Retired military, partial retirement, need extra cash

Topic Tags: military, tsp,

10

30

Jan 17

Jan 17

Irregular distributions within a calendar year

5

12

Jan 10

Jan 10

Age 55 exception?

1

9

May 30, 22

May 30, 22

Partial Year Payment possible?

Topic Tags: partial payment for final,

6

3

May 11, 22

May 11, 22

Need a New 72tNET.com Slogan

5

15

May 06, 22

May 06, 22

Update On Annual Recalculation Using Amortization

0

0

May 05, 22

May 05, 22

Starting a new 72T next month

10

21

Apr 28, 22

Apr 28, 22

Looking to switch to part-time, wondering if 72t is an option.

13

74

Apr 17, 22

Apr 17, 22

Double Check Online Calculators Before Relying On Them

2

5

Jan 28, 22

Jan 28, 22

Updated guidance from IRS for Substantially Equal Periodic Payments (supersedes Rev. Rul. 2002-62)

16

103

Jan 25, 22

Jan 25, 22

Beware Online Amortization & Annuitization Calculators

2

14

Jan 24, 22

Jan 24, 22

Can an account balance dated before a (non-SEPP) withdrawal still be used to establish a SEPP?

2

4

Jan 23, 22

Jan 23, 22

Starting a SEPP in January 2022

Topic Tags: SEPP,

5

12

Jan 18, 22

Jan 18, 22

Starting 72T in December

29

183

Jan 04, 22

Jan 04, 22

72t final distribution

Topic Tags: 72t final distribution ta,

11

21

Oct 29, 21

Oct 29, 21

New 72t guidance might be coming before year end

Topic Tags: PLR, Revenue Ruling,

30

188

Sep 29, 21

Sep 29, 21

IRA contribution before starting SEPP

3

7

Sep 23, 21

Sep 23, 21

72 T check

7

8

Sep 22, 21

Sep 22, 21

IRS has the wrong single life table?

2

3

Sep 19, 21

Sep 19, 21

Is rebalancing funds allowed while taking 72t distribution ?

4

89

May 24, 21

May 24, 21

Date to determine balance for withdrawls

8

151

May 11, 21

May 11, 21

Can withdrawal amount be increased within the first year?

6

124

May 08, 21

May 08, 21

When To Use The New Life Expectancy Tables Issued in November, 2020 For SEPP Distributions

8

152

May 03, 21

May 03, 21

401(k) reinvested dividends do not break the no conrtibution rule?

Topic Tags: reinvest dividend,

2

82

May 02, 21

May 02, 21

Calculating 72t using RMD

2

192

Apr 09, 21

Apr 09, 21

72T without retiring

11

132

Apr 07, 21

Apr 07, 21

Multiple 72-t IRAs- Help Please!

3

152

Mar 31, 21

Mar 31, 21

Question about IRS age 55 exception

3

70

Mar 23, 21

Mar 23, 21

Totally Newbie to this....retired at 51

10

204

Feb 08, 21

Feb 08, 21

72t plan

9

282

Jan 02, 21

Jan 02, 21

Final, stub year

Topic Tags: stub,

17

382

Dec 21, 20

Dec 21, 20

Discrepancy in online 72T calculators: possible rounding error?

5

200

Dec 17, 20

Dec 17, 20

Just couldn't make 59-1/2...

3

222

Dec 15, 20

Dec 15, 20

Live life a little more

12

451

Dec 09, 20

Dec 09, 20

Entering my final year in 2021

Topic Tags: final year, pro-rated,

3

198

Nov 18, 20

Nov 18, 20

SEPP and 2020 Cares Act

3

198

Nov 17, 20

Nov 17, 20

Can i take a single Annual distribution in 2020 and change to monthly or quarterly in 2021?

8

238

Oct 27, 20

Oct 27, 20

Planning to start a 72t plan

3

276

Sep 29, 20

Sep 29, 20

Beware of Believing that Financial Adivsors are Knowledgeable of 72T Rules. Even the Big Companies Make Mistakes.

2

271

Aug 31, 20

Aug 31, 20

Mid-Term Fed rates

15

453

Aug 29, 20

Aug 29, 20

2020 CARES ACT: NEW STIMULUS BILL DOES NOT APPLY TO SEPP 72-T PLANS

6

384

Aug 24, 20

Aug 24, 20

Sepp additional funds after 5th year Dist., when?

4

191

Aug 02, 20

Aug 02, 20

Any changes to the rules or penalties with 72 T due to the CARES act?

1

257

Jul 15, 20

Jul 15, 20

Final Year Distribution

2

284

Jun 10, 20

Jun 10, 20

Annual to monthly withdrawal / partial year

1

315

Jun 09, 20

Jun 09, 20

Thank you Gordon F Weiss

0

383

Apr 28, 20

Apr 28, 20

Review of plan

3

305

Mar 12, 20

Mar 12, 20

Final Year

1

331

Mar 07, 20

Mar 07, 20

Restarting 72t

1

315

Mar 07, 20

Mar 07, 20

Distribution Code 2 to 7

3

371

Feb 20, 20

Feb 20, 20

March Midterm Fed Rate vs February

4

362

Feb 19, 20

Feb 19, 20

72t Set Up

6

475

Feb 18, 20

Feb 18, 20

Roth conversion before start of SEPP

4

270

Feb 17, 20

Feb 17, 20

Turbo Tax Rounding issue causes inconsistent distribution amounts year over year

Topic Tags: Turbo Tax, Rounding,

1

410

Feb 16, 20

Feb 16, 20

Switching from Amortization to RMD Question

3

328

Feb 05, 20

Feb 05, 20

General Questions using the template

3

333

Jan 16, 20

Jan 16, 20

yearly distribution amount question

3

464

Jan 13, 20

Jan 13, 20

Please confirm

7

414

Jan 11, 20

Jan 11, 20

72 t questions

4

503

Jan 10, 20

Jan 10, 20

SEPP using Vanguard forms. Please check calculation.

11

2,017

Jan 10, 20

Jan 10, 20

Determining final distribution year

3

430

Dec 24, 19

Dec 24, 19

59 1/2 can I take more out?

7

515

Dec 18, 19

Dec 18, 19

Annual recalculation using the amortization method

7

579

Dec 17, 19

Dec 17, 19

72t from 401(k) with existing loan

2

418

Nov 25, 19

Nov 25, 19

Penalty for breaking 72t plan

3

454

Oct 31, 19

Oct 31, 19

Please verify

Topic Tags: calculation,

8

632

Sep 06, 19

Sep 06, 19

Withdrew 1/10th% too much - contact IRS?

Topic Tags: withdrawal, error, corrections,

6

617

Aug 15, 19

Aug 15, 19

New bills in Congress aim to raise RMD to 72 or 75 - will this change SEPP planning?

Topic Tags: SEPP, RMD, taxes,

4

1,055

Jul 31, 19

Jul 31, 19

Taking a loan out of my ira account used for my 72t

1

501

Jul 16, 19

Jul 16, 19

Thanks!

1

514

May 16, 19

May 16, 19

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