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• 72T - SEPP

• Bad Financial Advice

  • 72t
  • 72T Election Not Made by Advisor
  • Advisor''s Liability for Errors
  • break 72T with a withdrawl
  • Breaking 72T after age 59 1/2 but before 5 years?
  • Broken 72T? Is a penalty due in this situation?
  • certification
  • Distribution methods
  • earliest possible modification date
  • Earning from Fixed Income Funds
  • Help! Repost from Email
  • Is a 72T Right For Me?
  • My trustee slipped up
  • Other ways for pre 59.5 income
  • Pension Lump Sum - IRA - SEPP B4 Age 59-1/2 = penalty???
  • Restarting 72 payment
  • Rolling from 1 IRA to another after SEPP started
  • Schwab rep told me this today
  • SEPP
  • SEPP 72T
  • SEPP Distribution to Romania
  • SEPP error in distribution amount
  • T Rowe Price 72t Expertise
  • to 72t or not
  Show all articles ( 16 ) Collapse Articles

• Custodians

  • 1099-R error by IRA custodian
  • 72(t) transfer to new custodian
  • 72t
  • 72T - SEPP
  • 72t Account transfer to new custodian
  • 72t and change of custodian
  • 72T Changing IRA Custodians
  • 72t Custodian Change
  • 72t Custodian mistake
  • 72t custodian?
  • 72t distribution error by custodian
  • 72t paperwork
  • account management
  • Amoritzation fussy math from Fidelity
  • Any problem with using two custodians when one will check the exception box and the other won't?
  • Best Broker to Goto
  • Change in plan or custodian due to a corp. bankrup
  • Change of custodian last year of SEPP
  • change of custodians
  • Change of custodians for 72t
  • Changing accounts within same custodian
  • Changing custodians & affect to 72t
  • Changing Custodians 401K to IRA
  • Congress has the best plan!
  • custodian change
  • Custodian Changes
  • Custodian Error
  • Custodian Error
  • Custodian refuses to continue 72t payments
  • Custodian Transfered too much
  • Do I have to fill out any forms to start a 72t?
  • Do you have to notify custodian
  • Does Changing Custodians Mid-year Cause Any Problem
  • Effect of change of custodian on SEPP
  • Ending my SEPP
  • Fidelity dodges my question
  • I am concerned about a 72t related answer I received from my custodian
  • Informing Custodian of SEPP
  • IRA custodians that code 1099r correctly
  • is it ok to change ira custodian of sepp ira?
  • more questions
  • Multiple Custodians of IRA
  • Mutual Fund Company Recommendations
  • new 72t custodian, .01 pm difference in taxes
  • OK to Change IRA Custodian Midstream into a 72t?
  • payment date too soon
  • Penalty Notice
  • pro rating sepp
  • Pymt from 2 custodians for one SEPP
  • Question about Custodians
  • Reallocation to new custodian
  • Rolling from 1 IRA to another after SEPP started
  • Self-administered vs. custodian-administered SEPP
  • SEPP
  • SEPP ENDS
  • SEPP error in distribution amount
  • SEPP IRA Distribution Error
  • Setting up new SEPP (T Rowe Price)
  • Split Custodian
  • Split custodians and withdrawls
  • Split custodians and withdrawls
  • submitting 72(t) plan to IRA custodian
  • switched custodian/missed 1 month distrib.
  • Switching Custodians
  • Switching Custodians
  • T Rowe Price 72t Expertise
  • The use of proffesional 72 services...has anyone
  • Transfer 72t plan to another custodian and changed to RMD
  • Transfer of existing sepp acount to another custodian
  • Transfering partial IRA funds to another custodian
  • transferring an IRA to new custodian while 72(t) i
  • Vanguard Fidelity
  • withdrawal dates
  • Written arrangement required between taxpayer and plan custodian?
  Show all articles ( 66 ) Collapse Articles

• FAQs

  • COMPREHENSIVE ARTICLE EXPLAINING SEPP 72-T
  • Q. Are the online SEPP calculators accurate? 
  • Q. Are there any IRS filing requirements? 
  • Q. Assuming the 5-Year rule, when can payments be modified? 
  • Q. Can a Cost of Living Adjustment (COLA) be included? 
  • Q. Can a portion of an IRA account be excluded from the calculations? 
  • Q. Can distributions be made monthly?
  • Q. Can I recalculate my Life Expectancy using the Amortization or Annuity Methods? 
  • Q. Can I vary the plan payments by my account balance? 
  • Q. Do all IRA accounts have to be combined to determine the amount of the distribution? 
  • Q. Does anyone know of any actual cases where someone accidentally broke their 72t and were caught by the IRS? What were the actual penalty percentages? Do they ever give someone a break and let them fix it if possible? Do they ever waive the penalties and interest? If someone was taking 72t withdrawals for 7 years and then switched to the MD method and calculated wrong and withdrew $100 too much would the IRS actually charge $100,000 if that was what the interest and penalties would come to? 
  • Q. How are my non-deductible contributions treated? 
  • Q. How do I report a broken SEPP? 
  • Q. How is my age calculated? 
  • Q. I have a SEPP and have been re-employed and have earned income. Can I make a contribution to an IRA? 
  • Q. I have a SEPP that used one of my two IRA accounts, can I set up a second SEPP with the other account? 
  • Q. If I get divorced and transfer a portion of the payments to my ex-spouse, will I loose the exemption from the 10% penalty tax? 
  • Q. If I include more than one account, which accounts do I use to make the payments? 
  • Q. If the 10% penalty is $2,000, can your tax be lower than $2,000 if you had enough deductions?? 
  • Q. Is tax withholding mandatory?
  • Q. Once started, can I change the payment? 
  • Q. Once started, how long must I continue the plan? 
  • Q. What about IRC Section 72(q) for Non-Qualified Tax-Deferred Annuities? 
  • Q. What account balance should be used? 
  • Q. What documentation should be maintained for a SEPP plan? 
  • Q. What exactly is the "federal mid-term rate" Can you tell me where this interest rate comes from? 
  • Q. What if I die or become disabled? 
  • Q. What if I run out of money? 
  • Q. What is a Private Letter Ruling? 
  • Q. What is the Age 55 Exception to the 10% penalty? 
  • Q. What is the Definition of Disability for 72(t)?? 
  • Q. What is the maximum interest rate that can be used? 
  • Q. Which Mortality Tables can be used? 
  Show all articles ( 25 ) Collapse Articles

• General Information

  • 401 (k) vs IRA
  • 60 day "loan"
  • 60 day withdraw
  • 60 day withdrawal
  • 72 t
  • 72 t distributions
  • 72(t)
  • 72[t] monthly distribution election
  • 72T
  • 72t
  • 72t
  • 72t
  • 72t Amortization not enough
  • 72t at 59 1/2
  • 72t cancelation
  • 72t distributions
  • 72T questions
  • 72t regardless of after tax funds
  • A little help...
  • About this Forum and your Postings
  • Am I Eligible For A Sepp Plan ?
  • am I too young to start my 72t
  • Amount needed to Allocate to SEPP
  • annual set up
  • Annual/Monthly Distribution Gotcha?
  • Any reason not to 72T?
  • Auto Mfg Buyout Issues
  • Bank missed monthly distibution
  • basic question
  • Can I setup a SEPP after a IRA has been established for 3 years
  • Can you take more than 72t rate??
  • Chances of running out of money during a 72t
  • Choosing a custodian, Investment Rate, Combining IRA's
  • Client wants to blow up a current 72T and begin again
  • Comments welcome
  • Correct Use of This Forum
  • Cost of 72T
  • Dividends
  • dividends
  • Do I select multiple funds from my Vanguard account for the disbursement?
  • Do I Understand This Correctly?
  • early retirement
  • Early Retirement
  • Early retirement use of IRA and later a Non-Qualif
  • esop distribution
  • explain prorating for distributions for 8 months the first calendar yeat
  • Financial Advice
  • Financial Advice
  • First Steps
  • For Discussion... What plan would I design if I were to start a SEPP today?
  • Forum Mail
  • Forum Mail
  • Gidget8313
  • How do I get started
  • how to avoid as much penalties as possible
  • How to I set up a 72t
  • Investment Management Fees in a 72t IRA
  • IRS ANNOUNCES PENSION PLAN LIMITATIONS FOR 2010
  • IRS Pub 590 Release Date
  • Is this info true?
  • Long Duration?
  • Making a SEPP Distribution with Securities vs. Cash
  • Minimum age to begin a SEPP under 72t
  • More than Minimum SEPP Withdrawal
  • My 401k plan doesn't allow for substantially equal periodic payments.
  • My Opinion On Advice Vs. My Opinion
  • Obama - allow withdrawl 15% of IRA w/o penalty?
  • other IRA''s ok to touch
  • ought to be a better way
  • P.L 114-26
  • Pension
  • Planning for my 72t
  • Possible Work After Retiremtne
  • reasonable cost for assistance setting up 72t
  • Reputable Financial Advisor
  • Restarting a 72(t)
  • Reverse 72t Calc
  • Self prepared 72t v.CPA prepared
  • SEPP
  • SEPP plan and "separation from service"
  • SEPP Program Risk Management
  • Setting up 72T plan
  • Should I take the 72(t)
  • Simplified Needs Test
  • Start new plan
  • starting 72t
  • Starting a SEPP
  • Starting a SEPP question
  • starting and ending a 72t
  • Steps to ute 72T
  • Taking a SEPP from an IRA at a discount broker
  • Timing of Starting 72T Distributions
  • Top 20 Questions To Ask Yourself
  • using 72T SEPP withdrawals for as income for a loan
  • What is the definition of Substantially Equal Periodic Payments?
  • where to start
  • Who Should You Hire?
  • Why the 1/2 anyway?
  • Wisdom of 72T for us
  • Withdraw SEPP Distribution from a Cash Account Clarification
  • Working while taking 72t
  Show all articles ( 93 ) Collapse Articles

• General Information2

  • 72 t
  • 72t
  • 72t
  • 72T / IRA distribution
  • 72t and social security disabiltiy
  • 72T annual distributions
  • 72T distribution
  • 72T in AUGUST-2011
  • 72t invested in multiple mutual fund families
  • 72t Modification
  • 72T Question
  • 72TS AND CONTRIBUTING TO NEW IRA
  • account value
  • add money to 72(t) account, then withdraw later?
  • Another 72(t) ending question.
  • Another Question
  • Beneficiary
  • Can I work backwards
  • Client wants to blow up a current 72T and begin again
  • Contribution to IRA while Taking 72t distribution
  • Deposits After Establishing 72t...
  • Disabled and want to cash out
  • Distribution of money in 72t Question
  • Do I qualify for an SEPP ?
  • Fees?
  • Getting more out of a SEPP
  • How do I deal with FIT
  • IRA can't cover 72t distribution
  • IRA legal Assets
  • Is 72t plan money considered "income" under ObamaCare?
  • MILITARY PENSIONS
  • Need Help Setting up 72t
  • Now reading Plan Pointers - here's my situation - points where i should focus?
  • Problem
  • Projection of MD Method versus Amortization Method
  • question
  • Question on 72T
  • Question regarding amount of 72t withdrawal using Amortization Method
  • Question(s) on when a broken 72T should/must be reported.
  • reporting penalty
  • Rounding
  • Rounding of monthly distribution
  • SEPP and Earned Income
  • sepp annual pmt. date
  • SEPP Custodial account
  • Sepp Custodial Account
  • Sepp Date vs IRA Value Date
  • SEPP IRA
  • SEPP IRA account and 'other' IRA Account
  • SEPP Monthly Distributions
  • SEPP WITHDRAWALS - DIRECTED TO A ROTH IRA
  • Start SEPP in January after modifying IRA
  • Starting a SEPP
  • Starting plan in April
  • Starting SEP later than January
  • suggestions
  • Switching from monthly to annual disbursements
  • Taking a lump sum after starting 72T withdrawals
  • Tranfering money to an HSA
  • Trouble in retirement paradise
  • Value used for 72T sepp plan
  • Varying withdrawals from different IRAs in a SEPP
  • What is meant by "brokerage Custodial Account"
  • What valuation to use?
  • where to move my ira
  • Will I be able?
  • Withdrawal options for other reasons during SEPP
  Show all articles ( 59 ) Collapse Articles

• Investing Decisions

  • 72(t)
  • 72(t) distribution requirements and how to fund
  • 72t distribution, load,redemption fees effect
  • 72T - IRA
  • 72T - SEPP
  • 72t at 40?
  • 72t investment
  • Best Broker to Goto
  • Bond fund for a 72T
  • Buying Rental Property with a 72t
  • Buying/selling within SEPP IRA
  • cds as 72t investment tool
  • Changing 72T investments
  • Changing IRA portfolio investment mix when under a 72t distribution
  • Doubting the stock answers
  • Ending the plan
  • equities in ira
  • Fund allocation question for Badger and Gfw....
  • how to invest for 72t
  • investments within IRA
  • IRA Account
  • IRA CD and SEPP
  • IRA Investment Options
  • IRA severe hit
  • Managing ira with CD and other accounts.
  • Overdraw
  • problem
  • Ready to pull the trigger!
  • Retire at 40
  • Rolling from 1 IRA to another after SEPP started
  • SEPP at Vanguard
  • SEPP Funding Technique
  • SEPP setup at a CU
  • setting up a 72t account
  • Some Basic Questions
  • starting a 72-t
  • stock market outlook
  • Thank You
  • Thank you!
  • thinking about changing my IRAs in SEPP universe
  • Trading within a SEPP-established IRA
  • types of investment vehicles for 72(t)
  • Vangaurd brokerage account for SEPP
  • what to do
  • where to begin
  • Writing calls while taking 72(t) distributions
  Show all articles ( 38 ) Collapse Articles

• Reinvested Dividends

  • Company Stock Dividends
  • Do Reinvested Dividends Bust a SEPP plan?
  • SEPP IRA Distribution Error

• Resources

  • Best Brokerage to use for rollover with 72t IRA
  • Brokerage Firm
  • Brokerage House
  • CPA v Financial Planner etc. for Federal Retirees
  • Fidelity and SEPP Plans
  • I have moved
  • Inherited IRA - no designated beneficiary
  • Nest Egg
  • selecting a CPA?
  Show all articles ( 1 ) Collapse Articles

SEPP Planning

• 72 t investment
• 72(t)
• 72(t)
• 72t
• 72t
• 72t
• 72T
• 72t
• 72t
• 72t distribution
• 72T mid term rate
• 72t year end
• A little help...
• Additional withdrawls from 72t
• Calendar year?
• Can I take more?
• can you take out less?
• Checking 72t Plan
• Cost of Living
• Earned Income ?
• For Discussion... What plan would I design if I were to start a SEPP today?
• Fundamental ???
• If you begin 72t withdrawals from an IRA, can you take additional distributions
• Is this correct process to execute a SEPP?
• Is this correct?
• money for a car loan
• More questions
• New 72t - Questions regarding setting up the 72t
• Newbie questions.....
• One Time Dist during 72t payout
• Our SEPP
• procedures to start a72t
• Retirement-how soon
• Separation of $$ amount out of an IRA for 72t dist
• sepp (72t) newbie
• Sepp Distribution
• SEPP Duration Question
• setting up 72t
• starting a 72-t
• Starting a 72t
• starting out
• Steps for 72 (t) Transaction
• T72
• Taking a SEPP from an IRA at a discount broker
• trying to use distribution to help reduce mortage
• Valuation date for SEPP
• Working while taking 72t

Show all articles ( 39 ) Collapse Articles

• Account Balance

  • 72(T) Withdrawals
  • Account Balance
  • account valuation for my 72T
  • Amount needed to Allocate to SEPP
  • Beginning a 72t
  • date used for value of SEPP account
  • Determining Account Value
  • Newbie questions.....

• Calculating SEPP

  • "Reasonable" Balance date and splitting IRA's
  • "Substantial Equal Period Payments"?
  • # of 72t"s
  • $180 over calculation
  • 120% of Fed Mid-Term in SEPP Calculation?
  • 1984 Mortality Table Calculator
  • 2002-62
  • 2002-62
  • 2002-62
  • 2002-62 @ 56 months
  • 2002-62 @ 56 months
  • 2002-62 Calculation
  • 2002-62 RMD Modifications
  • 2009 Inflation adjustments
  • 2009 RMD
  • 2nd distribution
  • 2nd Distribution
  • 2nd Year of SEPP
  • 4.94% time frame
  • 4% Rule and SEPP 72t
  • 47 to early to retire??
  • 5 year period
  • 5 year redo payment method
  • 5 year requirement
  • 5 year SEPP, How is five years determined
  • 5 yr term certain
  • 5-Year Pro-Rated SEPP
  • 51 year old wanting to start SEPP
  • 72 t calculation help
  • 72 T Distribution
  • 72-T Annual Recalculation
  • 72-t IRA rcalculation
  • 72-t One Time Change Calculation
  • 72(t) - when can I start distribution?
  • 72(t) amortization method with recalculation
  • 72(t) Bust Calculation
  • 72(t) Calculation
  • 72(t) Calculation Method Switch Question
  • 72(t) Cash value vs Income Value
  • 72(t) distributions above calculated minimum
  • 72(t) RMD
  • 72(T) Withdrawals
  • 72(t)- Requrired Min. Distribution
  • 72(t)(q) RMD method
  • 72t
  • 72t
  • 72t
  • 72T
  • 72t
  • 72T
  • 72T
  • 72t
  • 72T
  • 72t
  • 72t - ending distribution & calculations - 2 c
  • 72t - multiple IRA's
  • 72T - RMD foul-up
  • 72t Account Balance
  • 72t and rmd
  • 72t at 40?
  • 72t based on revised annual account balance
  • 72t calc
  • 72t calculation
  • 72t calculation
  • 72t calculation
  • 72t calculation
  • 72t calculation
  • 72t calculation amount
  • 72t calculation confusion
  • 72t calculations
  • 72t calculations
  • 72t calculations - grateful for input
  • 72T Calculator
  • 72t Calculator
  • 72T calculator
  • 72t Calculator
  • 72t Calculator
  • 72t calculator question
  • 72t Calculator Question
  • 72t Calculator using Monthly Rate for the AFR
  • 72t Calculators Give Different Totals
  • 72t can you use split the IRAs but use the total for calculation?
  • 72t distibutions fluctuate
  • 72T Distribution
  • 72t distribution amount
  • 72t distribution decrease
  • 72t distributions
  • 72t distributions
  • 72t distributions calculation
  • 72t distributions from multiple IRAs
  • 72t for multiple IRA''s
  • 72t funds exhausted
  • 72t ira
  • 72t IRA distributions
  • 72t IRA Running on Empty
  • 72t minimum distribution method
  • 72t monthly calculations
  • 72t on 635k
  • 72t or gov bonds for income?
  • 72t plan to start in March 2017
  • 72t Planning
  • 72t question
  • 72t rate to use and balances
  • 72t Recalculation
  • 72t recalculation
  • 72T recalculation
  • 72T Recalculation
  • 72t Recalculation Date
  • 72t Required Min Distribution Method rules and IRS filings
  • 72T Scenarios
  • 72t split distribution
  • 72t start balance
  • 72t starting balance
  • 72T withdrawal in midyear
  • 72t-- is it this easy?
  • 72t, can I choose the amount I want?
  • 72t, do I have to recalculate every year?
  • 72t, using a one time change in calculation
  • 72T's using the RMD method in 2009
  • 72t/Trust Beneficiary/Aggregation
  • 8% withdraw on 72T eating away balance
  • 89-25 vs 2002-62
  • a few questions
  • A little help...
  • About to Start New 72(t)
  • Acceptable IRA Value for SEPP Calculation?
  • Account Balance
  • Account balance
  • Account balance
  • Account balance
  • Account Balance
  • Account Balance
  • account balance
  • Account balance
  • Account balance
  • Account Balance
  • Account Balance
  • Account Balance
  • Account Balance
  • Account Balance
  • Account Balance
  • Account balance
  • Account balance and joint calculations
  • Account Balance Date
  • Account balance dwindles
  • Account Balance Figuring
  • Account balance for amortization calculation
  • Account Balance for Calculation
  • Account Balance for SEPP Calculation
  • account balance question
  • Account Balance Start Date
  • Account balance to be used
  • Account balance to use
  • account balance-future contribution
  • account balances
  • Account balances to use
  • Account value to use for 72(t) calculation
  • Account value when starting SEPP
  • Accounts used for total calculation
  • acct balance
  • addition to account balance
  • Adjustment for inflation.
  • Advantage of receiving first distribution
  • Age 59 1/2
  • Age at Set Up
  • age calculation
  • age factor in calculation and sepp mandatory payme
  • Age for starting 72t
  • Age to use for SEPP
  • Age/Balance annual recalculations Question
  • Am I understanding minimum distribution correctly?
  • Amoritzation fussy math from Fidelity
  • amortizarion and joint life
  • amortization calculations
  • amortization question and referral question
  • Amortization v. Annuitization
  • amount less than rate allows
  • Amount needed to Allocate to SEPP
  • Amount of monthly distribution
  • annual distribution i choose the amount
  • Annual Distribution Terminology
  • Annual payment that exceeds life expectancy
  • Annual payout
  • Annual Re-Calculation
  • Annual re-calculation dates.
  • Annual recalculation
  • Annual Recalculation
  • ANNUAL RECALCULATION
  • Annual Recalculation
  • Annual Recalculation Is Back With A Vengance
  • Annual Recalculation Revisted
  • Annual recalculation using amortization method
  • Annual vs Monthly Distributions
  • annually recalculated amortization plan
  • Annuitization charts
  • Annuitization Method
  • Annuitization Method
  • Annuitization Method
  • annuitization of contract
  • Annuity method
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• Distribution Frequency

  • 2 PAYMENT OR 12 PAYMENTS
  • 3rd SEPP distribution timing
  • 72 T
  • 72 t periods
  • 72(t) annual withdrawal dates
  • 72t distribution schedule
  • 72t Sepp distribution timing
  • 72t SEPP Payment Dates
  • 72T timing
  • 72T withdrawal in midyear
  • Annual 72t distribution timing
  • annual distribution
  • Annual Distribution Timing
  • Annual Distributions
  • Annual Distributions
  • Annual SEPP distribution date
  • Annual vs. monthly vs. xx payments
  • Are Multiple withdrawals allowed within each of the 5 years
  • Calendar vs. fiscal year
  • changing annual payment date
  • changing date of 72t distribution
  • Changing frequency of distribution
  • Changing frequency of payments
  • Clarification please
  • Distribution 1x per year
  • Distribution date question
  • Distribution Dates
  • Distributions by amortization
  • Ending my SEPP
  • equal distributions
  • Establish new plan/changing dist frequency
  • First and Second SEPP Distributions
  • Frequency of Dispursements
  • frequency of payments
  • Irregular Payment Frequency & Documentation
  • Is switching the distribution frequency a modifica
  • Lump Sum Distribution after taking Systematic Peri
  • mid term rate and payment dates
  • Mid year distribution too much taken out
  • Monthly distribution if I use the 72t method
  • Monthly distributions
  • Monthly Distributions
  • monthly equal periodic payments vs annual
  • Monthly or Yearly?
  • Monthly Payment under Amortization Method
  • Monthly vs. Annual - Semantics or Not?
  • Monthly vs. Annual Distributions
  • must payment dates be exact?
  • New 72t
  • New Amortization SEPP
  • Preferrable Distribution Frequency
  • pro rating sepp
  • QTR Distributions
  • quarterly distribution
  • quarterly distributions
  • Quaterly Withdrawals
  • Question on distributions
  • Questions
  • Restarting 72 payment
  • SEPP
  • Sepp distribution timing
  • Starting 72T
  • starting 72t mid-year
  • stub payments/fiscal vs. calender
  • timing of 72T distributions
  • Timing of 72t withdrawal
  • Timing of annual distribution
  • Timing of Annual SEPP withdrawal
  • Timing of distribution
  • timing of distribution
  • Timing of Distribution
  • Timing of Distribution
  • Timing of Distributions
  • Timing of payments
  • Timing of SEEP Plan
  • Timing of withdrawal
  • timing of withdrawals
  • Withdrawal Frequency
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• Distribution Methods

  • 72t distribution method
  • amortized method
  • Annual recalc with amortization method
  • Annuity vs Amortizing
  • Choosing Distribution Method
  • Fixed Amortization Method
  • Minimum Distribution Method
  • Repayment of SEPP prior to 59 1/2
  • Required Minimum versus Amortized and Annuitized
  • Sonny's comment....
  • Stop or changing 72t before 59 1/2
  • Suplemental Income until Social Security (age 62)
  • switching to Minimum Distribution Method
  • Timing is Everything
  Show all articles ( 6 ) Collapse Articles

• Distribution Plan

  • 4 SEPP Questions
  • 72t
  • 72t at 40?
  • 72t delayed withdrawls
  • 72t dist
  • 72t distribution amount
  • 72t distributions
  • 72t plan
  • 72t question
  • 72T withdrawal in midyear
  • About starting a SEPP with an IRA and I have already taken distributions early
  • additional withdrawals
  • Ammoritization method, off 8 cents annually with monthly distort.
  • date 72t starts
  • disbursing and moving funds within a SEPP/72t
  • distributions under 72t
  • early distribution while still employed
  • effective date of distribution
  • Ending my SEPP
  • Fidelity 72(t)
  • how many young folks are taking advantage of 72t?
  • IRA reduction
  • over payment from sepp
  • Requirements for starting the SEPP
  • Retire at 40
  • SEPP
  • sepp
  • SEPP Amount Too High
  • SEPP and return to work
  • SEPP plus earned income
  • SEPP plus earned income
  • Some Basic Questions
  • Starting a 72(t) for 2010
  • Taking out additional funds by setting up new IRA
  • Thank You
  • The Kitsap2 thread
  • Too late for this year?
  • Using a cash account
  • which $ to use 1st?
  • Why not round?
  • Withdraw after tax contributions before starting the SEPP?
  • withdrawal dates
  • Withdrawal schedule
  • withdrawal taken on wrong date
  Show all articles ( 36 ) Collapse Articles

• Distributions After Age 59.5

  • 59 1/2 SEPP Amount
  • 72 t, 5 years, additional withdrawal at 60
  • 72(t) and age 59 1/2
  • 72t and normal distribution from the same IRA
  • 72t distribution rules
  • 72t distributions and S.S. benifits
  • 72t or withdrawal
  • A little help...
  • after sepp has ended
  • After the sepp plan ends
  • Age 59 1/2
  • Age 59 1/2 question.......
  • Change dist amt when 72t ends
  • discontinuing distributions
  • Distributions after 59 1/2
  • End of the 72t term
  • Ending SEPP
  • Five Year End date for equal payments
  • Good or Bad Idea?
  • Happy Half Birthday!
  • increasing distribution after 59 1/2
  • my 2 SEPP plans --- checking "end of plan" dates
  • Question on distributions
  • Question, please
  • SEPS and Addtional withdrawals at age 59-1/2
  • Social Security Strategy
  • taking a regular distribution after the last 72t distribution
  • Taking money out of IRA in the same year after plan ends
  • Turning 59 1/2 while taking 72T
  • what are my future 72t options having now surpassed the 5 yr/59.5 rule...
  • what happens after 59.5
  • Withdrawing IRA funds in addition to SEPP payment
  Show all articles ( 24 ) Collapse Articles

• First Year Distribution

  • 1st year disbursement
  • 1st year Distibrution
  • 1st year Distribution
  • 1st year of 72t
  • 1st yr dstrbtion?
  • 72(t) distributions
  • 72t
  • 72t distribution
  • 72t distribution schedule
  • 72T distributions
  • 72T first year adjustment
  • 72T payments in first year
  • 72T withdrawal in midyear
  • About starting a SEPP with an IRA and I have already taken distributions early
  • Adjusting SEPP Amount in First Year
  • Amount of first withdrawal
  • Annual Distribution Terminology
  • Beginning year disbursement required
  • Commence Distributions
  • Distribution
  • Distribution amount for partial year
  • First year catch-up
  • first year distribution
  • First year of 72(t)
  • full distribution in first year?
  • Guidance for how to take annual distributions
  • intial year of SEPP
  • IRS filing requirements
  • Is a Stub Year allowed?
  • June 30 SEPP start date
  • Partial disbursal options
  • Pro-rated first/last yr vs. full annual distribution
  • Proration question, plus more.
  • SEPP
  • SEPP Distribution in First Year
  • SEPP Early Withdrawal
  • SEPP New Withdrawals
  • SEPP starting date
  • Starting 72T
  • Starting date
  • Starting distributions February 2019 / 11 months left
  • Starting of 72t
  • stub payments/fiscal vs. calender
  • stub years/pro-rate first & last years
  • Taking full annual distribution if starting 72t payment later in the year
  • Thank You
  • Timing of Distributions
  • Timing of distributions - Calendar year/pro-rata question
  • Too late for this year?
  • When 72t plan begins = Distribution
  • When to start 72T
  • which $ to use 1st?
  Show all articles ( 44 ) Collapse Articles

• Interest Rates

  • "Mid-Term" Index
  • 120% FED MID TERM RATE
  • 120% fed rate
  • 120% mid term
  • 120% Mid-Term Applicable Federal Rates Question
  • 120% Midterm AFR
  • 120% of mid term
  • 120% of the mid term rate
  • 120% rate
  • 120% Rate
  • 120% rate Fouling my Plans!
  • 120%of rate
  • 2 moths preceding and Working again after sepp starts.
  • 3.60% rate
  • 3.60% rate
  • 30 year bonds
  • 72(t) rate
  • 72(t) Reasonable Intrest Rate
  • 72(t)(q) minimum interest rates
  • 72t
  • 72t
  • 72t - interest rates
  • 72t 120% rate falling
  • 72t distribution
  • 72t interest
  • 72T Interest Rate
  • 72t interest rate
  • 72t interest rate incorrect and multiple withdrawals in yr
  • 72T INTEREST RATES
  • 72T interest rates
  • 72t interest rates
  • 72t interest rates
  • 72t intrest rates changes
  • 72T Penalty and IRS Interest Charges
  • A "Reasonable" Interest Rate
  • Acceptable Federal Rate Variability
  • Actual Interest Rates
  • Actual Investment Rates
  • Additional Questions / Clarification on SEPP PLan
  • AFR - Yearly Distribution vs. Monthly Distributio
  • AFR Dates
  • AFRs
  • AFRs for April
  • Allowable interest rate and beneficiary
  • Amount of Payout
  • Annual interest
  • Annual Interest Rate vs Actual Interest Rate
  • Another Question About What Interest Rate to Use
  • ANY rate below the 120% of mid-term fed
  • Applicable Federal Rate
  • Applicable Federal Rate Determination
  • Applicable Federal Rate Information
  • Applicable Federal Rates
  • Applicable Federal Rates for May
  • April 120% Interest Rate
  • April 120% Mid-Term Posted
  • April 120% Mid-Term Rate
  • April 2012 120% Rate
  • April AFR
  • April Interest Rate
  • April SEPP Rate
  • April SEPP Rate
  • AUG2017 120 mid term rate
  • August 120% AFR
  • August 120% Mid-Term Rate
  • August 120% MT/AFR
  • August AFR
  • August AFR
  • August Interest Rate
  • August SEPP Rate
  • Basic question - 120% sepp rates
  • Beginning a 72t
  • Breaking a SEPP... what interest rate do I use for the penalty?
  • Can I use an interest rate below the max allowed to come up with a withdrawal am
  • Changing your reasonable interset rate annually
  • Checking 72t Plan
  • December 120% Mid-Term AFR = 4.97%
  • December 120% Rate
  • December 120% Rate
  • December 120% SEPP Rate
  • December AFR
  • December Interest Rate
  • December Interest Rate
  • December Interest Rate
  • December SEPP Rate
  • December SEPP Rate
  • December, 2014... 120% Mid-Term
  • distribution schedules and interest rates
  • Estimated Interest Rate
  • Estimated mid-term interest rate
  • February 120% Mid-Term Rate
  • February 2012 120% Mid-Term Rate
  • February 2018 SEPP Rate
  • February AFR Posted
  • February Interest Rate
  • February SEPP Rate
  • February SEPP Rate
  • Federal Mid Term Rate when using the Required Minimum Distribution Method
  • Federal Mid-Term interest rates
  • Federal Midterm Rates
  • Finding the 72(t)(q) rates on IRS site
  • Fyi... Interest Rates
  • GATT /30 year bond ratet
  • highest possible interest rate
  • How can I track the mid-term rate?
  • How can we project June''s AFR Rate?
  • how is the midterm federal interest rate calculate
  • How to change interest rate if I already started my 72t SEPP?
  • I believe the July 2018 SEPP Rate is out = 3.45%
  • i,r.s. penalty interest rate
  • increase to 120% in first year
  • interest of amortization method
  • Interest Rate
  • interest rate
  • interest rate
  • Interest rate
  • interest rate
  • Interest Rate
  • interest rate
  • interest rate
  • interest rate
  • Interest Rate
  • interest rate
  • interest rate
  • Interest Rate
  • Interest Rate
  • Interest Rate Confusion
  • interest rate for either of the previous two month
  • Interest Rate for SEPP beginning in July
  • Interest rate publish date
  • Interest rate to use
  • interest rate window
  • Interest rate?
  • Interest Rates
  • Interest rates
  • Interest Rates
  • Interest Rates
  • interest rates
  • interest rates
  • Interest rates
  • Interest Rates
  • interest rates
  • interest rates
  • Interest rates
  • Interest Rates
  • Interest Rates
  • Interest Rates
  • Interest rates a year from now...any guesses
  • Interest rates for May
  • Interest rates for SEPP 72T
  • Interest rates on previous distributions
  • Interesting article touching on Sepps....
  • IRS 2002-62 Impact on Maximum SEPP Update Question
  • IRS Penalty Interest Rate
  • IRS Penalty Interest Rate
  • IRS Penalty Interest Rate
  • IRS Rate
  • January 120% AFR
  • January 120% Mid-Term
  • January 2011 rate?
  • January Interest Rate
  • January Interest Rate
  • January, 2013... 120% Mid-Term
  • January, 2018 SEPP Rate
  • July 120% AFR
  • July AFR
  • July Interest Rate
  • July Interest Rate
  • July SEPP Rate
  • June 120% Mid-term Rate
  • June 120% Mid-Term Rate
  • June AFR
  • June Interest Rate
  • June Interest Rate
  • June Interest Rate
  • June SEPP Interest Rate
  • June SEPP Rate
  • Latest midterm rate
  • Latest to lock 120% MT Rate?
  • Less than maximum SEPP interest rate
  • Life expectancy and interest rates
  • long term interest rate
  • low 72T interest...my idea to get around it
  • Low 72t rates
  • Low Treasury Rates
  • Lower Interest Rate Possible?
  • Lower than 120% Interest Rate usage
  • March 120% AFR
  • March 120% AFR
  • March 120% Interest Rate
  • March 120% Rate
  • March 2008 120% Rate
  • March AFR and Missing Posts
  • March Interest Rate
  • March Interest Rate
  • March SEPP Rate
  • March SEPP Rate
  • March SEPP Rate
  • Max interest rate
  • Maximum interest allowed for ammoritization method
  Show all articles ( 192 ) Collapse Articles

• Last Year Distribution

  • 5 year distribution and 59 1/2
  • 5 Year Provision
  • 5 Year Requirement
  • 5 year rule
  • 5 Year Rule
  • 5 year rule
  • 5 year rule
  • 5 year rule - need payment tax year six?
  • 5 year rule vs 5 annual payments
  • 5 Year Withdrawal
  • 5 years or 59.5???
  • 5-Year Rule
  • 59 1/2
  • 59 1/2 last withdrawal query
  • 59.5 age
  • 59.5 this year
  • 72(q) Distributions
  • 72(t) and age 59 1/2
  • 72T - 5 Year Ending Date
  • 72t and 59 1/2 obtainment
  • 72t distribution schedule
  • 72T Distributions
  • 72t final reqired distribution when turning 59 1/2
  • 72T last distribution
  • 72t lump sum payout before last payment date
  • 72t/SEPP
  • Age 59 1/2
  • Age 59 in November of 2012
  • Age 59.5 Final Distribution
  • Attaining 59 1/2 issue
  • available options in year when turning 59 1/2
  • Back end of SEPP
  • Can I stop my SEPP payments after 5 years with no penalties?
  • checking before changing annual withdrawal
  • Cite for final stub year options?
  • clarification of 5 year/59 1/2 and distribution fr
  • clarify paymt. modification date / last paymt.
  • completion of term
  • Confirming Wind-down plan
  • Confusion about last 72t Payment
  • date to end 72t
  • Distribution Options
  • Distribution options in last year of SEPP
  • Double Check Final Distribution
  • early distribution from last employer''s plan af
  • Early IRA distribution
  • End 72t Distributions
  • End date of 72t
  • End of 5 year payout
  • End of 5 years and 591/2
  • End of 72t
  • End of 72T Distribution
  • end of 72t review
  • End of Sepp
  • End of SEPP question
  • End SEPP
  • ending 72t
  • Ending 72T distribution
  • Ending a 72t
  • Ending a 72T at 59 1/2
  • Ending my SEPP
  • Ending SEPP distributions
  • Ending SEPP with Fidelity
  • Ending SEPP's under 72t
  • Existing Plan Ending In 2016
  • Failure to make a final distribution in Dec 06
  • final year distribution
  • Final 72(t) Distribution
  • Final 72t Distribution
  • final 72t distribution requirement
  • Final Annual Distribution Timing
  • Final distribution
  • final distribution
  • Final Distribution Confusion - followup!
  • Final Distribution Confusion!
  • Final Distribution Date
  • Final distribution in year you turn 59.5
  • Final payment
  • Final SEPP Distribution
  • Final SEPP year distribution - ?s/confirmation
  • final stub year
  • final stub year paranoia
  • Final Year
  • final year distribution
  • final year distribution
  • final year of 72t
  • Final year of SEPP
  • Final year rollover
  • Finally pulling the trigger
  • Finally ready to end 72T
  • Five Year End date for equal payments
  • Five year rule
  • follow up ?
  • Gracefully Ending SEPP Distributions
  • How Many Distributions??
  • How many payments?
  • IRA Distributions After 72(t) Has Ended
  • Last 6 months before modification date.
  • last distibution
  • Last Distribution Date
  • Last distribution payment
  • Last distribution payment
  • Last Draw for 72t
  • Last monthly SEPP payment
  • Last payment
  • last payment
  • Last payment
  • Last payment
  • Last payment question
  • Last payment question
  • last payment required age 59.5
  • last year of 72t-Conflicting info
  • last year of plan
  • last year of plan
  • Last year of SEPP
  • last year options
  • Last Year Payment
  • last year payout
  • last year withdrawl amount
  • losses for last year on my IRA
  • Modification Date???
  • Monthly distributions in final year of SEPP
  • more questions
  • my 2 SEPP plans --- checking "end of plan" dates
  • My Existing 72t Will End Next Year
  • not sure last year of SEPP was handled properlly
  • Options in final year
  • plan end
  • Planning Ahead for End of SEPP
  • pro-rating final distribution?
  • Question on SEPP distribution
  • remaining payments
  • Required distribution year turn 59 1/2
  • safe ending date
  • SEPP distribution and age 59.5 distribution
  • SEPP end date
  • SEPP ENDS
  • SEPP Final Countdown
  • Stop 72t distributions and begin regular Anuity payments for retirement
  • Stopping 72t
  • Stopping 72t distribution
  • Stopping my SEPP without penalty...
  • Stub year Question.
  • terminating a life distribution
  • Terminating a SEPP
  • The year you turn 59 /12
  • total payments/final payment
  • Turning 59 1/2 while taking 72T
  • Understanding last payment date
  • what are my future 72t options having now surpassed the 5 yr/59.5 rule...
  • What happens at the end of 72T plan
  • What to do in the last year?
  • whats left after 5 years?
  • When Does Age 59 1/2 Begin?
  • When does my plan end?
  • When I turn 59 1/2
  • When is my last SEPP withdrawl?
  • When must the 72(t) distributions be completed?
  • When to stop required withdrawals
  • Why the 1/2 anyway?
  • year turn 59 1/2, when to stop distributions
  • Yet another stub year question
  Show all articles ( 154 ) Collapse Articles

• Mixing IRA Types

  • Distributions from Roth
  • SEPP and Roth IRA
  • Vangaurd brokerage account for SEPP

• Multiple Accounts

  • 2 72t accounts?
  • 2 ACCOUNTS , ONE 72T
  • 2 additional SEPP/72t questions
  • 2 IRA''s
  • 2 IRA''s another question
  • 2 IRA's or 1
  • 2 ira's, 72T, RMD
  • 2 IRA"s, Early withdrawal penelties
  • 2 IRAs - I SEPP & 1 IRA (if took out a pre 59
  • 2 IRAs -1 SEPP
  • 72 T Question
  • 72t
  • 72t
  • 72t - Multiple sources for IRA ?
  • 72T and reaching 59.5 and withdrawing from other I
  • 72t from 2 seperate IRA"s
  • 72t SEPP
  • 72t with a Separate Account platform
  • 72T withdrawals
  • accounts
  • Additional IRA distribution alongside a SEPP?
  • Are contributions to separate IRA''s restricted
  • Base Principal Amount vs. Account Actual Net Worth
  • Can I have 3 separate annuities, but SEPP from only 1?
  • can you take out less?
  • Combine Accts
  • Combined accounts amounts?
  • CPA newbie or ?
  • creating separate accounts at one institution ok?
  • distribution
  • Distributions from non-SEPP account
  • Effect of drawing from different IRA
  • Handling Potential Excess Income
  • Limit on # of 72t IRA''s?
  • more then one 72t
  • Muliple IRAs and SEPP
  • Multiple 72(t)s allowed?
  • multiple 72t
  • Multiple 72t accounts
  • Multiple 72T Accounts
  • Multiple 72t Distributions
  • Multiple 72t distributions
  • Multiple accounts / SEP
  • Pension cashout, rollover after starting SEPP
  • Possible Mistake or broken sepp
  • Post 72t
  • Recalc based on rollover from qualified plan
  • Rolling from 1 IRA to another after SEPP started
  • Roth IRA withdrawal during SEPP IRA Same year
  • separate accounts
  • separate accounts
  • separate IRA''s
  • Separating IRA's
  • Separation of $$ amount out of an IRA for 72t dist
  • Seperate IRA''s
  • seperating 72t ira's
  • SEPP distribution and age 59.5 distribution
  • SEPP involving multiple accounts
  • SEPP setup at a CU
  • SEPP Universe
  • Sepp withdrawals form Trad IRA and separate roth IRA
  • Set up new IRA in existing SEPP universe?
  • Some Basic Questions
  • Source of distribution
  • split IRAs
  • two accounts
  • Two IRA plans - Traditional and Roth - How to
  • Two IRAS, two brokers
  • Vangaurd brokerage account for SEPP
  • various accounts
  • withdrawals
  Show all articles ( 63 ) Collapse Articles

• Plan Documentation

  • 72t
  • 72T & IRS
  • 72T has ended
  • 72t paperwork
  • Do I have to fill out any forms to start a 72t?
  • Documentation
  • IRS reporting of SEPP
  • Scenario (not our client) - Repost from Email
  • sepp
  • SEPP Documentation
  • SEPP paperwork
  • SEPP Universe Documentation
  • Starting 72(t)
  • substantiated documentation
  • who is suppose to inform the IRS what figures they use
  Show all articles ( 7 ) Collapse Articles

SEPP Maintenance

• Account Changes

  • 5 year rule when switching financial institutions on 72t
  • 72 (t) transfer
  • 72 t
  • 72 t account transfers
  • 72-t partial transfer of IRA - prorating distribut
  • 72-T Question - Partial IRA transfer
  • 72-T trustee to trustee transfers
  • 72(t) Transfer of Assets
  • 72t
  • 72t
  • 72T - IRA
  • 72t accounts
  • 72t ira transfer to another brokerage
  • 72t Partial Transfer
  • 72t transfer
  • 72T TRansfer
  • 72t uncertainties
  • 72t withdrawal
  • Account Split
  • Bonds in IRA's
  • Can I make additional withdrawals after starting?
  • Changing 72T method and transferring IRA
  • Changing Financial Advisors
  • Changing IRA Administrator
  • Changing payout date on 72t
  • Changing Trustees
  • Combining 72t IRAs
  • contribution to IRA after SEPP distribution
  • Conversion to Brokerage Account
  • Does direct transfer to new IRA disqualify?
  • Does transfer of IRA account to another broker bus
  • ESOP transfer
  • fund transfer from Traditional IRA to 457 Plan
  • in-kind xfers between 2 IRAs within one SEPP
  • IRA funds transfer sanity check
  • IRA Rollover penalties?
  • IRA to Health Savings Account (HSA) Transfer
  • ira transfer
  • IRA Transfer
  • IRA Transfer Question - 72t
  • IRA transfers
  • IRA Transfers with 72(t) Schedules
  • IRS reg
  • Managing ira with CD and other accounts.
  • Mirrored IRA
  • Moving IRA with 72T
  • Notice 2008-51 HSA transfer with SEPP
  • partial transfer
  • partial transfer
  • partial transfer
  • Partial transfers
  • Plan Termination and SEPP''s
  • question
  • Question about changing banks if you have a 72T Plan
  • Risk Assumption Versus Risk Transfer
  • Rolling from 1 IRA to another after SEPP started
  • SEPP and IRA Transfers
  • SEPP at Vanguard
  • SEPP custodial transfers
  • SEPP IRA Conversion to Brokerage IRA Same Trustee
  • SEPP movement
  • Should I move my IRA from a trusted brokerage just to get 72t verification?
  • Split IRA Accounts.
  • splitting SEP after starting a 72(t)
  • starting SEPP mid year.
  • thinking about changing my IRAs in SEPP universe
  • Traditional IRA
  • Transfer $''s on Sepp account
  • Transfer 72T
  • Transfer an SEPP IRA from one Bank to another
  • Transfer into IRA Account with 72t
  • transfer IRA from one investment to another during
  • Transfer my IRA
  • Transfer of Account in which SEPP has begun
  • Transfer of assets to a new IRA and my SEPP
  • Transfer of funds within 72t "universe"
  • Transfer of IRA from one financial Instituton to a new one while collecting 72T
  • Transfer part of SEPP to another IRA
  • Transfer to a Roth IRA while doing a SEPP?
  • Transfered assets under 72T
  • Transfering my 72t IRA to another IRA
  • Transferring Accounts during the SEPP
  • Transferring between multiple funds
  • Transferring from 72t IRA to 403b for in service loan...
  • transferring investment account
  • Transferring IRA(72T) To Another IRA(72T)
  • Transferring IRA(72T) To Another IRA(72T)
  • Trustee to Trustee transfer
  • Trustee to Trustee transfer for bond purchase.
  • Trustee to Trustee Transfer of Ira
  • Trustee to trustee transfer of IRA utilizing 72(t)
  • Trustee to Trustee transfer with 72(t) in force
  • Trustee to Trustee Transfer within SEPP accounts
  • Trustee-trustee transfer
  • Two IRA Accounts Using Uniform Lifetime Table
  Show all articles ( 87 ) Collapse Articles

• Annual Recalculation

  • 5 year redo payment method
  • 72t
  • 72t IRA Running on Empty
  • AMORT METHOD RECALC
  • Annual recalc with amortization method
  • Annual Recalculation
  • Annual Recalculation
  • decath20
  • Minimum Distribution Method
  • Recalculating SEPP yearly based on Life Expectancy
  • starting 72(t)
  Show all articles ( 3 ) Collapse Articles

• Contributions and SEPP

  • 72t money
  • 72t Question
  • Adding money to 72T
  • adding to 72T
  • Class Action Suit settlement check into 72T
  • Contributing to another Roth or Traditional IRA once 72t started
  • DC plan distributions
  • Deposits After Establishing 72t
  • Does additional pension $ awarded due to Company mistake have to go into the SEPP we are using. I am 2 months short of 59 1/2,
  • Earned Income ?
  • Further retirement savings
  • How do I get started
  • Independent payments
  • IRA Contribution after 59.5 and 5 years
  • IRA Contributions
  • IRA contributions after 72t ends
  • Ira contributions while receiving a 72(t) distribu
  • Repayment of SEPP prior to 59 1/2
  • Resuming contributions to my IRA
  • returning to work while receiving 72t distr ? cont
  • Settlement money returned on 72T
  • Small rollover contribution after beginning of SEPP
  • Traditional IRA Contribution after setting up a SEPP
  Show all articles ( 15 ) Collapse Articles

• Death and SEPP

  • 72t Distributions and Death of IRA Holder
  • beneficiary
  • death of IRA owner with non-spousal beneficiaries
  • Decedant IRA
  • SEPP PLAN TERMINATION
  • spouse inherits IRA under 72(t) SEPP
  • What are tax rules if IRA owner dies with an active 72t Plan?

• Divorce

  • 72 t withdraw after divorce
  • 72-t distributions and divorce
  • 72t and divorce
  • 72t and Divorce
  • 72T confusion
  • 72t Divorce
  • 72t divorce rules
  • 72t divorce spouse refuses trustee to trustee
  • 72t when divorce is involved
  • Adjustment to 72t Distributions after Divorce Sett
  • Court order in separation barring 72t distribution
  • Dividend From an Old IRA
  • divorce
  • Divorce - continue receiving full 72t payment?
  • Divorce - what happens to 72t
  • Divorce and 72T
  • Divorce and 72T
  • Divorce and 72t
  • divorce and 72t distribution
  • Divorce and my SEPP program
  • Divorce and the 72t
  • divorce on 72t IRA
  • divorce,QDRO and 72t help!
  • Need help
  • QDRO Distributions
  • QDRO transfer to older spouse
  • RMD - Divorce -
  • SEPP and divorce
  • SEPP plan and QDRO in divorce
  • Starting a 72(t) for 2010
  • Taxes on 401k withdrawal to IRA to SEPP
  Show all articles ( 23 ) Collapse Articles

• Multiple Plans

  • 2 sepp plans
  • 2nd 72t plan
  • 72t
  • Can you aggregate an SPIA and a VA, but take SEPP from SPIA?
  • CPA newbie or ?
  • Limit on # of 72t IRA''s?
  • multiple 72t
  • Piecemeal 72T
  • SEPP after taking an initial distribution
  • Sepp Distribution
  • SEPP withdrawals
  Show all articles ( 3 ) Collapse Articles

• Plan Changes

  • 1 time change to 72t
  • 3 years into a 72T SEPP plan, considering changing to min dist.
  • 5 year reset
  • 72 (t) SEPP Internal Account Change
  • 72 t Change
  • 72 T Question
  • 72-T Change After A Divorce
  • 72-T change options
  • 72-T Rules if once modified
  • 72(t) changes
  • 72(t) Distibution
  • 72(t) payment mode change
  • 72q change payment
  • 72Q rules with section 1035a exchange
  • 72T - change from annual to monthly
  • 72T - Changing Methods
  • 72t account change?
  • 72t change
  • 72t Change
  • 72t change
  • 72t Change
  • 72t change in method
  • 72t change to dates of disbursements
  • 72T distribution change
  • 72t distribution one time change
  • 72t Distribution Plan Plus Additional Withdrawl?
  • 72t hardship question
  • 72T One Time Change Of Distribution
  • 72t one time change to minimum distribution method
  • 72T PLAN DECREASE
  • 72t, can I change the date of the annual payment
  • Account number change
  • Amount change to 72-t
  • Annual Distribution Change
  • Asset changes
  • Beneficiary Change
  • Can I change my 72t payment formula?
  • can one change accounts during a SEPP
  • Change
  • change
  • Change 72t payout due to disability/illness?
  • Change annual date of distribution?
  • change broker/dealer and funds if receiving 72(t)
  • Change Brokerage Firms while in a 72t
  • Change date
  • Change dist amt when 72t ends
  • Change documentation
  • Change from annual to monthly distribution - again
  • Change from Fixed Amort to RMD Method
  • Change from Fixed Amort to RMD method
  • change in annual distributions
  • Change in investment IRA
  • Change in maximum % amount permissiable
  • Change Investments
  • Change of Distribution
  • Change of payment date
  • change of withholding
  • Change Possible?
  • change SEPP distribution frequency/period
  • Change to 72t
  • Change to 72T amount
  • Change to 72t distribution
  • change to 72t mid year
  • Change to beginning balance for SEPP withdrawals
  • Change to Required Minimum Distribution
  • change to RMD
  • Change to self-directed after SEPP started? And real estate...
  • change to Sepp
  • Changed date of Monthly Distribution Rec''d 13 P
  • changes
  • Changes 72t Distribution
  • Changes to 72t distributions
  • Changes to account balance
  • Changes to Account Balance - Article by Bill Steck
  • Changing from monthly distributions to a one time minuminum Distribution
  • Changing payout date on 72t
  • Changing SEPP
  • Changing the distribution date on an SEPP
  • Changing the pay date of an existing monthly 72t distribution
  • Client made an amount change on his 72-t
  • Communicating Change to IRS
  • Correct Method for One-Time Change?
  • Custodial change on 72(t)
  • Date Change
  • date change in dist
  • Did the number of years change from 10 to 5 and if so what can I do different?
  • Distribution change for the year
  • Distribution date change - 72 T
  • does a 72(t) check change with the principle?
  • early withdrawal
  • Echange of two exactly valued securities
  • Effect of withdrawing Roth initial contribution
  • EX financial advisor
  • Fidelity changes policy on SEPP coding
  • Fidelity dodges my question
  • first year of sepp, can I change to stub year?
  • Forum Changes
  • how long do I have to stay with plan
  • increase 72t distribution
  • increase amount on SEPP
  • investment change inside 72t account
  • investment changes within accounts that are part o
  • IRA Broker Change
  • IRA Contributions After Starting SEPP
  • ira roll over into sepp plan
  • irrevocable change to RMD
  • irs writings on definition of substantially equal
  • Is new IRA exempt from previous 72(t) requirements
  • Is this a modification?
  • length of 72(t) after conversion to MRD method
  • Making the Change??
  • Method change
  • Mid year changes?
  • Mirrored IRA
  • Modifying the 72t
  • My 5 yr period is over next year, I want to change the payment, so what to do?
  • Not Sure How Big Of a Mess I''ve Created
  • One Time 72-t change
  • one time 72t change
  • One time change
  • One time change
  • One time change and divorce
  • one time change of 72t withdrawal
  • one time change to 72(t)
  • one time change to 72T
  • One time change to Min. Dist. Method
  • One Time Change To Minimum
  • One-time change to 72t SEPP distribution
  • One-time change to RMD Method
  • One-time change to RMD method - additional question
  • Opening a new IRA at Fidelity for SEPP
  • Plan change
  • Popular subject change to min dist
  • Portfolio Changes
  • possible modification to SEPP 72(t) ?
  • Post 59 1/2 Changes to SEPP
  • Proposed Change
  • recent change allowing increase?
  • Repayment of SEPP prior to 59 1/2
  • Rev Rul 2002-62 - You change method, when can you
  • SEPP
  • SEPP and 1035 Exchange
  • SEPP Change from Amortization to Minimum Distribut
  • SEPP Changes
  • SEPP Changes
  • SEPP Changes
  • SEPP Changes
  • SEPP date of payment change
  • SEPP One Time Change
  • SEPP want to move partial to TSD IRA LLC; ? material change
  • Stop or changing 72t before 59 1/2
  • Substantially Equal Payments
  • Substantially equal periodic payments
  • Taking out additional funds by setting up new IRA
  • Three queries - I don't see them already addressed
  • Transferring IRA
  • Two IRA Accounts Using Uniform Lifetime Table
  • Website Changes
  • Website Changes
  • What to do with 72T investment improvements
  • withdrawal taken on wrong date
  • Withdrawl changes after 5 years
  Show all articles ( 154 ) Collapse Articles

• Rollovers

  • "Traditional" vs. "Rollover" IRAs
  • 401 rollover
  • 401 ROLLOVER TO IRA
  • 60 day rollover
  • 60 day rollover
  • 60 day rollover
  • 60 day rollover and subsequent distributions
  • 60 day rollover question
  • 72t
  • 72t and rollover
  • 72t From a Rollover IRA
  • 72t from ira rollover
  • 72T IRA rollover to combine two IRAs
  • 72t rollover from an existing custodial account to a new cutodial account
  • 72T rollovers
  • 72t Rollovers In & Out
  • 72t/death/rollover
  • Additional Rollover
  • Annuitizing a portion of a direct rollover.
  • Application of One-Per-Year Limit on IRA Rollovers
  • beneficiary 403b rollover
  • defined benefit rollover into 457 plan
  • Distribution from Defined Benefit Plan
  • early distribution indirect rollover
  • ESOP Distribution Rollovers and 72(t)
  • follow up to Trad vs Rollover IRA post
  • Follow-up to Rollover Determination
  • I'm worried...
  • IRA 60 day distributions/rollovers
  • IRA Rollover
  • IRA Rollover - HELP!!!!!!
  • IRA Rollover and Direct Transfers
  • LSD rollover and subsequent 72t SEPP
  • Lump sum pension distribution to rollover IRA
  • Mistake!! Partial IRA rollover during 72(t)
  • Overdraw
  • Partial rollover of existing 72t IRA
  • Pension Assets - IRA rollover (72t) and partial di
  • Pension funds not eligible for IRA rollover
  • Plan Rollover into IRA
  • Qualified plan rollover to IRA
  • Retire with rollover into IRA and not a 72t
  • Retirement rollovers?
  • Rolling Over 72T IRA to Qualified Plan
  • rollover
  • Rollover
  • Rollover & 72(t)
  • Rollover & 72T
  • Rollover a portion of a SEPP?
  • Rollover creativity
  • Rollover Date
  • Rollover Determination
  • Rollover during 72t withdrawal and is bonus used to determine 72t amt?
  • Rollover Earnings
  • Rollover for SEPP Plan starting in January of 2011
  • Rollover from IRA Account
  • Rollover from IRA with SEPP
  • Rollover into existing 72t / SEPP Plan?
  • rollover ira vs traditional ira
  • Rollover of existing IRA rollover had elected 72t
  • Rollover of non-qualified plan
  • Rollover of Residual Funds to 72T IRA?
  • Rollover to IRA CD
  • rollover/transfer
  • rollovers
  • Rollovers
  • Rollovers
  • SEP distributions from a rollover IRA
  • SEPPs and Rollovers
  • Small Rollover BEFORE starting SEPP
  • Split of rollover plan possible for 72t??
  • Traditional vs rollover IRA
  • transfers and rollovers
  • Why companies make you rollover to IRA ?
  Show all articles ( 66 ) Collapse Articles

Non-IRA Accounts

• defined benefit plan
• IRA is not required
• Starting My Pension Early
• withdrawing contributions from 401(a) plan

• 401k Accounts

  • 401 Withdrawl
  • 401(k) and pre 59 1/2 distribution.
  • 401(k) loan & 72t
  • 401(k) rollover to IRA
  • 401(k) withdrawals instead of IRA 72t
  • 401k
  • 401K
  • 401k
  • 401k
  • 401K
  • 401K
  • 401k
  • 401K
  • 401K
  • 401K
  • 401k
  • 401K - Early Distribution
  • 401k ?s
  • 401k After Tax
  • 401k and 72t
  • 401K and Loans
  • 401K and post tax $$$$
  • 401K and Retirement Lump Sum
  • 401k and Rollovers
  • 401K Distribution
  • 401k Distribution
  • 401k distribution/rollover
  • 401K Distributions
  • 401K for SEPP
  • 401K for SEPP funds
  • 401k loan
  • 401K loan default??????????
  • 401k loan payoff while still at the company
  • 401K Qualified Plan or IRA for Early Distributions?
  • 401K rollover
  • 401k rollover
  • 401K rollover
  • 401K rollover
  • 401K rollover
  • 401K rollover
  • 401k Rollover
  • 401k rollover to IRA
  • 401k rollover to IRA after SEPP
  • 401K Rollover to IRA for SEPP aggregation
  • 401k rollover to IRA, impact on SEPP
  • 401K Rollover w/ after tax monies
  • 401K Rollover, Living in Canada
  • 401k rollover/IRA distribution
  • 401k to IRA
  • 401k to IRA
  • 401K to IRA - then 72t
  • 401k to IRA and ditributions
  • 401k transfer to split IRA''''s
  • 401K versus Rollover to IRA and 72T
  • 401k vs company plan
  • 401k Vs IRA
  • 401k vs. Rollover to IRA for SEPP treatment
  • 401k Withdrawal
  • 401k Withdrawal
  • 401k withdrawals and IRA 72(t)
  • 401k??
  • 401k/ira/double payment
  • 60-day window?
  • 72 t SEPP plan and employer contributions to 401ks
  • 72(t) from 401(k) questions
  • 72(t) On A 401k
  • 72(t) Question *When Do I Have To Roll 401-k Into IRA ?
  • 72(t) Under 401K transferred to IRA
  • 72(t)(2)(A)(v)
  • 72t
  • 72t
  • 72t
  • 72t
  • 72t pension payout
  • 72T and 401K accounts
  • 72t and uni-401ks
  • 72t distributions - from one account?
  • 72t from 401k transfer later to IRA?
  • 72t from 401K?
  • 72t from split of 401k and IRA
  • 72t IRA Distribution after 401k Direct Rollover
  • 72t Newbie
  • 72t payments be effected by moving 401k to different finacial institution
  • 72t Set-up
  • 72t Withdrawls From Company-Sponsored 401K
  • 72T WITHDRAWLS;
  • 72t/401k
  • A 72(t) Years After Retiring ?
  • Accessing 401k penalty free
  • Account Balance - Combining 401k and ira after Dec
  • advice on cashing in IRA from a past 401K due to t
  • after tax $ in a 401K
  • After tax contributions in 401k and SEPP
  • Are you limited to required minimum distribution method w/ SEPPs from 401K?
  • avoid 72T-early retirement
  • borrowing from and account with 72t
  • Can 401k distributions limit sepp distributions
  • Can a 401k with 72t already started be rolled to a
  • Can a company 401K plan borrow their own contribut
  • Can I include current 401k plan in SEPP?
  • Can you start a SEPP plan after age 59.5?
  • choices
  • closing 401K
  • Combine 401K & Pension Lump Sum Payment?
  • combo 401k & ira
  • Company Stock Dividends
  • Company stock in 401k distribution
  • Concerning distributions from a 401(k) account
  • Death of 401k owner
  • Does this code section cover 401(k)?
  • early withdrawal of 401k
  • Early withdrawal of solo 401(k)
  • ESOP dividends and SEPPs in 401K
  • Getting Ready
  • How to create a sepp with a roth component in my 401k
  • IRA Rollover SEPP to new 401(k) plan
  • Is 72t really required if I've reached my employer's "normal retirement age"?
  • Late Transfer from 401k to IRA that Already has 72T Started
  • lump sum/401K rollover
  • Lump Sums and After Tax 401k Contributions
  • May a 72t distribution be taken from a 401k?
  • Move 401k to IRA
  • Multiple Withdrawal Classifications
  • Need advice on 401K withdrawal and pension
  • New IRA SEPP or Keep 401k Plan
  • No Penalty Distribution from 401K
  • oops, rolled over 401K into IRA, broke the 72t
  • Partial 401K distribution + rollover to IRA for SEPP
  • paying back a loan to a qualified 401k
  • Pension and 401k rollover
  • Questions
  • Retirement
  • Retirement at age 59
  • Roll over 401K
  • Rollover 401K account with 72t to an IRA
  • Rollover 401k to Existing SEPP IRA
  • Rollover from 401k to IRA-What account balance to
  • Rollover of 401k and distribution
  • Rollover of 401K to IRA Account Balance question
  • Separation of Service
  • SEPP application process
  • SEPP for 401k vs. IRA
  • SEPP from IRA in same year as 401K withdrawals
  • SEPP pymnts & 401k contributions
  • Setting up a 72T and 401K rollover at age 51
  • solo401(k) & 72t SEPP
  • Starting a 72t in July
  • Taking SEPPs from 401K and 403B
  • transfer fund from 401K to SEPP IRA
  • transfer fund from 401K to SEPP IRA
  • transferring an SEPP that is currently in a 401k t
  • using 401k to fund SEPP
  • What is the process to apply for a 72T??
  • When is it too late to setup a Solo 401(k)
  • Withdrawal from 401K
  • withdrawals from 401k
  • Witholding 20% 72(t) distributions from 403(b) and 401(k)
  Show all articles ( 149 ) Collapse Articles

  • Loans

    • 401(k) loan & 72t
    • 401K
    • 401K and Loans
    • 401K loan default??????????
    • 72t and uni-401ks
    • borrowing from and account with 72t
    • Can a company 401K plan borrow their own contribut
    • paying back a loan to a qualified 401k

• 403b Plans

  • 403b options
  • Can 403b funds be used as part of a 72t early with
  • CREF - Explanation re SEPP v. Fixed Period Payout
  • Determining account value
  • Early Withdrawl
  • early withdrawl exception
  • rollover 72t account
  • SEPP 72t 403b Plan Specific
  • Using a SEPP to help increase 403(b) contributions
  Show all articles ( 1 ) Collapse Articles

• 72Q - Non-Qualified Annuities

  • 72(q) and the one year
  • 72q
  • 72Q v 72T
  • 72q2
  • 72T vs 72Q
  • Annuity in 72T
  • Need help determining my options with a 72(q) 3/31/2013 mod date
  • SEPP distributions from non-qualified plans
  • sepp for 72t and 72q
  Show all articles ( 1 ) Collapse Articles

• Age 55 Withdrawals

  • 401(k)-separation at 55-will this work?
  • 401k and age 55
  • 401K Distr''n @ Age 55--"Separation from Se
  • 401K distribution at 55 years old
  • 401K distributions at 55
  • 401K periodic withdrawals after age 55
  • 401K roll over to an IRA, do I have to retire during the year I turn 55?
  • 401K vs. 55
  • 401K withdrawl at 55 ?
  • 55 retirement
  • 55 separation of Service and distribution question
  • 72T
  • 72T / SEPP
  • 72t and age 55 rule 401k
  • 72t fees and 401k and 55 rule
  • Additional follow up to age 55 from qualified plan
  • age 55 and seperated service
  • Age 55 Confusion
  • Age 55 does it make a difference in 72 T ?
  • age 55 exception
  • age 55 exception
  • age 55 excepttion
  • age 55 exemption
  • Age 55 questions
  • Age 55 Rule
  • Age 55 Rule
  • Age 55 Rule & NUA application
  • Age 55 rule relative to retiring at 50
  • Can you start a SEPP plan after age 59.5?
  • Clarification on the age 55 exemption rule
  • Disability and Age 55
  • Distribution from qualified plan after age 55
  • Distributions to new 72t
  • draw from 401K in 2017 when I turn 55 in Dec 2017
  • IRA 72t without penalty payments
  • IRA withdrawal
  • need some advice
  • Over 55 72T flexibility
  • Over 55 exception
  • Pension to IRA
  • QPlan 55 separation exception
  • Questions
  • remaining payments
  • Retire @ 55 with 72T
  • retire during the year you turn 55
  • Retiring in the year I turn 55
  • rollover 401K Retire Age 55
  • rule 55 and 72t
  • Rule of 55
  • rule of 55 and 72t in same year
  • Rule of 55 for 401(k)
  • Separate date
  • Separate from Service After 55 & 72(t)
  • Separation from Service Exemption
  • Seperation before 55
  • Want to start early retirment on the right foot
  • Witdrawal without SEPP
  • Younger than 55
  Show all articles ( 50 ) Collapse Articles

• Annuities

  • 72 t/q friendly GMWB
  • 72(q) Distributions from a non-qualified annuity
  • 72(Q) Rules for annuity with Joint Owenrship
  • 72t
  • 72t & Immediate Annuities
  • 72t and life annuity with term certain
  • 72T Annuity Distribution Method for Joint
  • 72T annuity payout
  • 72t annuity product from jackson national
  • 72t based on a Variable Annuity from AXA
  • 72T distribution to a single premium variable annuity
  • 72t or life annuity
  • 72T Question on annuities
  • 72t sepp as an annuity
  • 72T then withdrawl for annuity
  • 72T vs Commercial Annuities
  • 72TQ Annuityw/ money from life insurance claim
  • A question on Indexed and Fixed Annuities
  • Aggregating of Contracts
  • annuitize with life contingency
  • Annuity
  • Annuity 72t distribution
  • Annuity distributions before age 59 1/2
  • Annuity Factor
  • Annuity Factor vs Ammortization Method
  • annuity for sepp
  • Annuity in 72T
  • annuity method and life expectancy
  • annuity or mutual funds
  • annuity v. amortization
  • Annuity withdrawl amout to use 72t rule
  • Another annuity question........
  • Anuuitized IRA
  • cd type annuity for sepp
  • change from annuity method
  • Change from RMD to Annuity or Amortization
  • Distribution methods
  • Early Withdrawal of Annuity
  • Effect of funding fixed annuity with 401(k) balanc
  • Fixed Period Immediate Income Annuity & 72t
  • Guaranteed Income Annuity
  • How to Structure for SEPPs
  • Immediate annuities
  • Immediate Annuities
  • immediate annuity
  • immediate annuity
  • immediate annuity
  • immediate annuity and 72t
  • Immediate Annuity from 401k B4 age 59.5
  • Immediate annuity SEPPs
  • Immediate Annuity Value for One-Time Change
  • immediate fixed annuity
  • Increase annuity amount
  • Ira Annuity
  • IRA Annuity - With SEPP - Withdrawl question
  • IRA Annuity 72t dist.
  • IRA Rollover
  • IRS Helps Again - Notice 2004-15
  • is 72T calc applicable to annuity withdrawls?
  • is 72T calc applicable to annuity withdrawls?
  • Is this a modification?
  • Is this withdrawal amount okay?
  • Joint Lifetime Single-Premium Annuity (Fixed) for a SEPP (SPIA)
  • Legality of split annuity strategy
  • Life annuity
  • loss on annuity redemption
  • Lump sum or Annuity
  • need some advice
  • non qualified annuities
  • non qualified annuities
  • non qualified annuities again
  • non qualified annuity
  • non-qual annuity and SEPP
  • non-qualified annuities
  • Non-qualified annuities
  • Nonqualified Variable Annuity
  • qualified annuity
  • retirement annuity while working
  • RMDs with IRAs, 401Ks, and TSA (annuity)
  • Rollover after start of SEPP
  • sepp on annuity
  • SEPP with annuity to fund income stream
  • single premium deferred fixed annuity
  • single premium deferred fixed annuity
  • SPIA and IRA
  • split annuity purchased from after tax savings
  • Starting new SEPP on Fidelity deferred annuity
  • Surrender Variable Annuity with SEPP
  • Switching from Annuity Method to RMD
  • Tax on pre 59 1/2 NQ Annuity
  • Thank You
  • The new Qualified Longevity Annuity Contract
  • TIAA CREF403B Fixed Annuity
  • transfer of an annuity with an active 72t
  • Use Annuity like a 72(t) withdrawal?
  • Use of Annuities --- IRC 72(q) versus
  • use of Single Premium Immediate Annuity
  • Using 8 year SPIA???
  • Using a SPIA for SEPP Distributions
  • Using a SPIA for SEPP Distributions
  • Using life annuity with 72t
  • Vanguard Annuity will code as early distribution
  • Variable Annuity Inside of an IRA
  • Variable Annuity Question
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• ESOP Plans

  • 72t distributions
  • SEPP vs NUA or Both?

• Keough Plans

  • Are there any IRS rules/restrictions regarding dis
  • Keough withdrawals

• Thrift Savings Plan

  • 72t and Thrift Savings Plan Withdrawals
  • 72T applicable to TSP?
  • 72t for TSP
  • 72t is offered by the TSP
  • 72t withdrawal from TSP account
  • Congress has the best plan!
  • CPA v Financial Planner etc. for Federal Retirees
  • Distributions
  • Establishing a 72T Program
  • Federal Retirement
  • Govt TSP = SEPP
  • Is My 72(t) Plan OK?
  • Retiring with TSP
  • SEPP from TSP
  • setting up 72t
  • specific $ monthly w/d from TSP acct - 72(t) eligi
  • Starting a 72t using TSP
  • Thrift Savings Plan (TSP)
  • Thrift Savings Plan (TSP) monthly mayments
  • TSP
  • TSP
  • TSP
  • tsp one time withdrawal at risk
  • TSP to 72(t)
  • TSP-70 rounding off
  Show all articles ( 17 ) Collapse Articles

• Trusts

  • 72t & a trust
  • Trust and Exemption Account txfer

• SIMPLE Plans

  • Setting up SEPP
  • Withdrawal of Excessive Simple IRA contributions

• 457 Plans

  • 457(b) annual withdrawal

Non-SEPP Exceptions

• Alternative to 72(t)
• Using 72T for paying mortgage

• Disability Exception

  • 10% Exception due to disability
  • 72(t) and disability
  • 72T and disability
  • 72T distributions then becomes disabled prior to 5
  • 72t then disability
  • 72t/Disability.......
  • Curent 72(t) client, now on disability
  • disability
  • Disability
  • disability
  • Disability
  • disability
  • Disability 10% penalty exception apply?
  • Disability and 72T
  • disability and 72t
  • Disability and 72t rules
  • disability and rule 72t
  • Disability Distribution
  • Disability Distribution Exception
  • Disability Exception to Penalty
  • Disability Exception-Distribution from Spousal IRA
  • disability exemptions
  • Disability termination of SEPP Plan
  • Disabled when starting 72(q)
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • IRA Distribution
  • IRA-SEPP-Disabled
  • Police Disability Pension
  • Proof of Disability for Penalty-free 401k Withdraw
  • Retired on Disability/Died - Wife under 59 1/2
  • retirement withdrawl
  • SEPP and Disability?
  • SEPP WITH DISABILITY
  • ss disability
  • starting 72(t)
  Show all articles ( 28 ) Collapse Articles

• Disaster Exception

  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • Hurricane exceptions
  • Katrina Victims Get a Break on Early Withdrawals

• Education Exception

  • 401k to IRA education withdrawal timing
  • 401K Withdrawal for Higher Education Expenses
  • 72T & Educational Withdrawals
  • 72t account with education withdrawal
  • 72t and college tuition
  • 72T and Education Exp in Same Acct?
  • 72T distribution for education
  • 72t distribution rules
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • education costs
  • Higher education
  • Higher Education Exceptions
  • Higher Education Expenses adn the 10% Penalty
  • Higher Education Expenses Qualifications
  • Higher Education Expenses Qualifications
  • IRA withdrawls for higher education expenses
  • Multiple Rollovers & Education Expenses
  • No IRA modification penalty where additional funds withdrawn for education
  • Qualified Education Expenses
  • SEPP & Higher education expenses
  • SEPP and education withdrawal
  Show all articles ( 14 ) Collapse Articles

• First Home Exception

  • 1st time home loan
  • 72T and first time home buyer
  • 72t early withdrawal for home purchase
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • IRA Withdrawal for First Time Home Buyer
  • SEPP plus First Home

• Medical Exception

  • 72(t) for Medical Premiums with multiple years of unemployment?
  • 72(t) payments and distribution for medical expens
  • 72T
  • 72t and medical bills
  • 72T and medical withdrawal from one IRA?
  • 72t with medical distribution
  • Additional Early Withdrawl
  • Early Retirement Exceptions Article June 2019
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • Funding HSA
  • If you are using a SEPP plan and have a Medical Emergency Need
  • IRA #1 For SEPP, IRA #2 for Medical Premiums
  • IRA for medical
  • IRA withdrawal
  • Medical and SEPP Distributions
  • Medical bills
  • Medical Expenses
  • medical expenses
  • Medical Hardship
  • Medical Payments
  • medical payments from wife ira, sepp from husband
  • Medical withdrawal after 72T
  • SE health insurance and the medical exemption
  • SEPP and additional medical withdrawal
  Show all articles ( 17 ) Collapse Articles

• Mixing Exceptions

  • 72t and Early Withdrawal
  • 72T Distribution
  • 72T Withdrawal
  • Does active 72t plan prohibit other approved withdrawals
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019
  • Other distributions from IRAs i.e. Health Insuranc
  • SEDs, then lump sum distribution from IRA
  • started 72t sepp and then became disabled
  Show all articles ( 1 ) Collapse Articles

• Public Safety Employees Retirement Act

  • 72(t)
  • Defending Public Safety Employees' Retirement Act
  • Early Retirement Exceptions List 2019
  • Early Retirement Medical Exceptions Article 2018/2019

IRS

• 72t 5year tracking

• IRS Communications

  • 2001 plan, IRS exam
  • 72t early dist. from ira and irs audit
  • CP 2000 notice
  • Form 5498
  • How does the IRS know I''m using 72t?
  • irs
  • irs audit
  • IRS Audit
  • IRS Audit
  • IRS audit
  • IRS Audit
  • IRS audit
  • IRS Audit of my 72t Distributions
  • IRS Audit of SEPP Plans
  • irs audits
  • IRS checks
  • IRS Exam
  • IRS exam by mail
  • IRS examination report
  • IRS Letter Follow-up
  • IRS letter, How do I respond?
  • IRS levy on an account in a SEPP
  • IRS Questioning My 2007 Return with 72(t)
  • IRS SEPP Audit
  • Letter 525 from IRS
  • Rejection for 72t from IRS
  • Scary IRS Letter
  • Verbal information from IRS
  • Verification that early IRS withdrawl is parts of
  Show all articles ( 21 ) Collapse Articles

• Legal Rulings

  • 72t
  • 72t
  • Benz v. IRS
  • Has the Treasury Ruled?
  • Treasury To Rule On SEPPs This Fall

• Private Letter Rulings

  • ? on writing a private letter ruling
  • 72T and PLR's
  • A Few Words About PLRs
  • Any updates on PLR?
  • Approved PLR
  • Badger''s PLR progress
  • Can you take more than 72t rate??
  • Changing withdrawal per Private Letter Rulings
  • Compliant Letter To The IRS
  • Details on PLR procedure
  • Error Correction PLRs
  • EXTRA PAYMENTS DUE TO FINANCIAL INSTITUTION ERROR WON'T TRIGGER IRA MODIFICATION
  • FAQs and PLR listing
  • How to Understand & Use PLRs
  • IRS PLRs
  • IRS Reply On PLR 2007-20023
  • IS PLR Requirred
  • New PLR disallows partial transfers
  • PLR
  • PLR (PRIVATE LETTER RULING) FEES GOING UP
  • PLR 2005-07021
  • PLR 2005-32062
  • PLR 200925044 - Partial Transfers
  • PLR ruling 2004-32021
  • PLR''s and inflation
  • PLRs for 72t distributions
  • Private letter ruling
  • Private Letter Ruling fee
  • Private Letter Ruling Number
  • Private Letter Ruling Request
  • Private Letter Rulings
  • Private Letter Rulings after 1/1/2003
  • SEPP 72-T PARTIAL TRANSFERS DISALLOWED BY IRS IN PLR 201323045
  • Stop or changing 72t before 59 1/2
  • Timing Of PLR
  • Understanding the new PLR
  • Update re PLR 200720023 - Partial Transfers Still
  • What good are PLRs?
  • Yet Another PLR to Factor In
  Show all articles ( 31 ) Collapse Articles

• Taxes

  • 1099
  • 1099 codes
  • 1099 posted with a "G"
  • 1099 R & Form 5329
  • 1099 R details
  • 1099-R
  • 1099-R
  • 1099-R
  • 1099-R
  • 1099-R and Distribution Code
  • 1099-R and Form 5329
  • 1099-R box 7 code 2
  • 1099-r codes
  • 1099-R coding
  • 1099-R coding
  • 1099-R Coding Error
  • 1099-R Coding Question
  • 1099-R Distribution Code
  • 1099-R distribution coding
  • 1099, More Code 1s and fewer Code 2s
  • 1099(r) codes
  • 1099r
  • 1099R code
  • 1099R coded 1
  • 2015 tax filing
  • 5 year end and calendar year 1099
  • 5329
  • 5329 form and how to complete it to avoid penaliti
  • 5329 form for 2014 income taxes
  • 72 t and SS tax
  • 72-t withdrawal
  • 72(t)
  • 72(t) Start Date Impact on Taxes
  • 72t
  • 72t
  • 72T and Income Tax Due
  • 72t and Obamacare?
  • 72t and tax w/h
  • 72t corrected over-withdrawl tax question
  • 72t distribution and additional w/d taxes
  • 72t for Tax Planning
  • 72T Tax Free
  • 72T tax free
  • 72t taxes
  • 72t/roth ira
  • Advice for CPA to file taxes for distribution coded as early without exception
  • After Tax Contribution
  • After Tax Dollars
  • after tax funds in SEPP IRA
  • After tax money in SEPP
  • Ammended tax returns
  • Amount to withhold for taxes??
  • Beneficiary IRA - Tax question
  • Best way to pay SEPP Federal Taxes?
  • box 7 on 1099R form
  • Changing SEPP tax deductions
  • Checking 72t Plan
  • Code 1 vs. code 2
  • Code 2
  • code 2
  • Code 2
  • code irs form 5329 for sepp 72t distribution
  • Completion of 72T 1099R
  • Concerning Form 5329:
  • Death Taxes and "Last SEPP ditribution"
  • different 5329 question
  • Distribution Code
  • Distribution code 2 for immediate annuities
  • Distribution code 7
  • Distribution Codes
  • Distribution Codes
  • Do I really need tax advice???
  • Does Medicare tax apply to 72t?
  • Doing the taxes...
  • Early Retirement and Roth IRA''s
  • easy 72(t) income tax question
  • end of 72t tax question
  • Estimated Tax Payment time
  • Extra 2.5% penalty for early withdrawal in California
  • file 2 5329's?
  • Filing Form 5329 for SEPP plus additional exceptions
  • finding a tax advisor with 72t rule knowledge
  • Finishing SEPP & Form 1099R
  • First timer with 5329
  • Foreign Tax
  • Forgot to file form 5329
  • Form 1099-R distribution codes
  • Form 1099R
  • Form 5329
  • Form 5329
  • Form 5329
  • form 5329
  • form 5329
  • Form 5329
  • Form 5329
  • Form 8606
  • Get ready to file form 5329 with your form 1040
  • Getting Your Tax Money
  • How to fill out form 5329
  • Increasing Federal tax withholding on a SEEP in progress?
  • IRA and taxes
  • IRA Question 72t
  • IRA with taxed and non-taxed contributions
  • IRS 5329 form
  • IRS 5329 w/RMD Switch
  • IRS form
  • irs form 5329
  • IRS Form to file
  • IRS Forms
  • IRS press release re
  • Loan Distribution
  • Michigan State Income Tax on 72t distributions.
  • more questions
  • multiple sepps and 5329
  • my first 72(t) 1099-R from Schwab is coded "2
  • My Tax Software and Simplified vs. General Rule
  • Need Help with Tax Return After Breaking SEPP
  • Need to file taxes?
  • New Tax Laws
  • No tax or penalty... or is there?
  • Our SEPP
  • paying taxes in an IRA and SEPP plans
  • Post Tax 1099
  • Post tax contributions
  • Pro
  • professional tax software question
  • Questions on witholding and taxes on a SEPP
  • Sepp 72(t) 'Taxed As Ordinary Income' Question
  • SEPP Amount Too High
  • SEPP and Taxes
  • SEPP End & 1099R
  • SEPP question and income type
  • SEPP-RELATED 1099 FORMS
  • SS/Medicare
  • State imposed penalty?
  • tax and penalties
  • Tax code number
  • tax details on withdrawal from IRA before 59.5
  • Tax Issue From Setting Up Wife's 72t
  • Tax question
  • Tax question
  • Tax Questions
  • Tax Reporting of SEPP Withdrawal
  • tax reporting vs syst payment
  • Tax withheld from a SEPP/72t dispersement
  • Tax Withholding
  • Tax Withholdings
  • Taxable Amount Not Determined
  • Taxation of SEPP
  • Taxes
  • Taxes
  • Taxes
  • taxes
  • Taxes
  • taxes and penalties
  • taxes on 72t
  • Taxes to withhold when taking SEPP Distributions
  • taxes,,,
  • To e-file or not to e-file when you have SEPP
  • Trouble finding TurboTax Form 5329 (SEPP exception
  • Turbo Tax
  • Turbo Tax/SEPP
  • Turbotax
  • Vanguard and 1099,s
  • Vanguard insists coding ALL early dist''s as 02
  • varying tax withholding from year to year
  • withholding taxes
  • working/taxes on 72t SEPP
  • Wrong 1099 Gross Distribution amount by $12
  Show all articles ( 161 ) Collapse Articles

• Treasury Rates

  • 10 Year Treasury Rate
  • 2 moths preceding and Working again after sepp starts.
  • 5-Year Treasury Trend
  • 72t
  • 72t
  • Amount of Payout
  • Beginning a 72t
  • Checking 72t Plan
  • Mid term rate
  • Mid-Term Rate
  • Monthly distributions
  • NEED HELP!!!
  • Retire at 40
  Show all articles ( 5 ) Collapse Articles

About 72tNET

• Reverse 72t Calc

• 72t.net Kudos

  • 72t Web Page
  • Approaching 59 1/2
  • So far, so good
  • starting 72t mid-year
  • Thanks
  • Thanks! It works.
  • Word of thanks.

• 72t.net Relaunch

  • 72t.net Closing May 1, 2019
  • About GFW
  • Future Help
  • Relaunch of Website

Advanced Topics

• Class action
• Inherited an IRA
• IRA Funds already inherited
• Non Cash Sepp Withdraw

• Net Unrealized Appreciation (NUA)

  • 72(t)(2)(A)(v)
  • 72t with NUA
  • Age 55 Rule & NUA application
  • choices
  • Company Stock Dividends
  • ESOP Termination
  • Multiple Withdrawal Classifications
  • Net Unrealized Appreciation
  • NUA
  • NUA
  • NUA & 72T
  • Retirement at age 59
  • SEPP vs NUA or Both?
  • to 72t or not
  Show all articles ( 6 ) Collapse Articles

• Self Directed IRA

  • 72(t) Re start after taking a partial IRA early di
  • 72T to start a business
  • Can I set up 72T from self Directed IRA? I''m ge
  • Further retirement savings
  • Mortgages
  • real estate in IRA with 72t
  • Real Estate in Self-Directed IRA
  • self directed IRA
  • Self directed IRA and 72T
  • SEPP from IRA with real estate
  • SEPP with self directed IRA (SDI)
  • Setting up a SEPP 72T in a Self-directed IRA
  • Triple Net Lease in a Roth IRA, can you use SEPP??
  Show all articles ( 5 ) Collapse Articles

• SEPP and Loans

  • 72t income used for a loan
  • Loan on IRA while taking 72(t) dist
  • Retirement

• SEPP and Working

  • 2 moths preceding and Working again after sepp starts.
  • 72(t) and still working
  • 72t
  • 72t distribution and IRA contirbution
  • 72T Distributions Combined with Regular Income
  • A little help...
  • Contributing to another Roth or Traditional IRA once 72t started
  • early retirement
  • earnings while drawing 72(t)
  • Further retirement savings
  • going back to work
  • Going back to work after taking 72T payments
  • New 72t setup comments
  • Part time work
  • returning to work after 72t has started
  • SEP plans while still working
  • SEPP
  Show all articles ( 9 ) Collapse Articles

• Unrelated Business Taxable Income (UBTI)

  • UBTI in IRAs

• SEP-IRA

  • 72t funding from Simplified Employee Pension Plan
  • Multiple accounts / SEP
  • Using a SEP-IRA as a source of funding for a 72T

Completed SEPPs

• Congratulations - SEPP Completed Successfully

  • SEPP Completion
  • SEPP ENDS
  • SEPP Plan Success
  • Thanks!!

Roth Accounts

• Roth Conversion

  • 2010 roth converion using SEPP of 2010
  • 2010 roth converion using SEPP of 2010
  • 401K to IRA to Roth
  • 72t and conversion to Roth IRA
  • 72t and Obamacare?
  • 72t and Roth Conversion
  • 72t and Roth IRA convertions
  • 72T conversion to roth ?
  • 72t distribution change & roth conversion
  • 72t to ROTH
  • Advice on whether to roll a large IRA to Roth?
  • Can you start a SEPP plan after age 59.5?
  • Convert remaining SEPP payments to Roth?
  • Converting part of 72(t) to Roth
  • Did I bust SEPP plan when I converted fund to backdoor Roth IRA?
  • early withdrawal of Roth IRA
  • Early Withdrawl
  • IRA Distributions After 72(t) Has Ended
  • IRA to Roth Conversion after starting SEPP
  • My accountant is scaring the heck out of me
  • Off Topic - Conversion of TIRA to Roth IRA in 2010
  • Partial Conversion to a Roth IRA
  • Partial Roth Conversion of Existing SEPP Plan.
  • Plan to allow Roth Conversions in 2010
  • Rollover 72(t)/IRA to Roth IRA
  • roth
  • roth conversion
  • Roth Conversion and 72t
  • roth conversion ded. loss
  • roth conversion MAGI coveredca
  • Roth Conversion to Delay SEPP?
  • Roth Conversion while under a 72t
  • Roth Conversions and 72(t)
  • Roth conversions on IRA
  • SEPP Roth conversion?
  • SEPP 1099-r and roth conversion 1099-r
  • SEPP/ ROTH Conversion
  • SEPP/ROTH CONVERSION
  • SEPP/Roth Conversion
  • Traditional IRA CONVERSION to ROTH
  Show all articles ( 32 ) Collapse Articles

• Roth Distributions

  • Distributions taken same year before starting SEPP
  • early withdrawal of Roth IRA
  • followup question on section 72 on rothira
  • roth 410k
  • Roth and 72t
  • Roth IRA Distributions
  • SEPP from a Roth IRA set up for less than 5 years without penalty
  • Using a Roth IRA to pay health insurance

• Roth SEPP

  • 72t for Roth
  • 72t on Roth IRA
  • Are SEPP Distributions for a Roth IRA Taxable when
  • Distributions taken same year before starting SEPP
  • early withdrawal of Roth IRA
  • Roth conversions on IRA
  • ROTH IRA & 72T
  • Roth IRA's and SEPP
  • Roth IRAs and SEPPs
  • SEPP from a Roth IRA set up for less than 5 years without penalty
  • Sepp in a new roth question
  Show all articles ( 3 ) Collapse Articles

• Roth Withdrawals

  • 60 day rollover using multiple roth ira
  • Bypass the SEPP
  • early withdrawal of Roth IRA
  • generic roth ira question
  • pre-59 1/2 roth w/d affect SEPP / 72t ?
  • pre-59 1/2 roth w/d affect traditional ira SEPP?
  • Question about Roth Contribution distributions
  • Roth after 5 years
  • Roth Distribution
  • SEPP from a Roth IRA set up for less than 5 years without penalty
  • Using a Roth IRA to pay health insurance
  Show all articles ( 3 ) Collapse Articles

Violations & Penalties

• Penalty Notice

• 72t Violations

  • "Busted" 72t Plan?
  • "Late" 72(t) Distribution
  • "Premature"-coded distributions from SES
  • "Reseting" 72t
  • 1 time bulk withdrawal prior to establishing SEPP
  • 10% penalty
  • 10% penalty
  • 10% penalty question
  • 10% penalty under 72t
  • 72 t and irs
  • 72 T Question
  • 72-t withdrawal
  • 72(T)
  • 72(t) Distibution
  • 72(t) penalty for "bust"
  • 72(t) Re start after taking a partial IRA early di
  • 72(T) Withdrawals
  • 72T
  • 72t account depleted
  • 72t bust
  • 72t Bust Question
  • 72t busted?
  • 72t code1
  • 72t confused
  • 72T Depleted
  • 72t Depleted
  • 72T depletion prior to 59 1/2
  • 72T Distribution is running out of gas
  • 72t distributions from IRA
  • 72T Election
  • 72T Election Not Made by Advisor
  • 72t Partial Transfer and a SEP violation code 1
  • 72t penalty or bust as posted by Aaron on 11/2/200
  • 72T Setup a Bust?
  • 72t vs pension - 10% penalty
  • 72T-penalties if "bust" on purpose
  • Account close to depletion can I change distribution
  • Accounting Error
  • Additional Distribution
  • additional distributions
  • age 57 inception...age 61 bust!
  • Any consideration that the10% penalty will be waived due to economic situation
  • Anyone hear of this rule?
  • Bank missed monthly distibution
  • Begin SEPP in the middle of substantially equal payments
  • break 72T with a withdrawl
  • breaking 72T
  • Breaking a 72T series of withdrawals
  • Breaking a SEPP and then restarting
  • Breaking and Restarting a 72T
  • Broken 72T
  • broken 72t
  • Broken 72T? Is a penalty due in this situation?
  • Bust
  • Bust a SEPP with Trading Costs
  • Bust an old; begin a new?
  • Busted 72 t distribution for education
  • Busted 72t
  • Busted 72T
  • Busted 72T
  • busted 72t
  • Busted 72T
  • Busted 72T
  • Busted 72t Questions
  • busted 72t transactions- can it be fixed?
  • Busted 72t?
  • Busted 72t?
  • BUSTED PLAN
  • Busted SEPP
  • Busting 72(t) and using other early distribution exception
  • Busting 72T
  • busting 72t
  • Busting 72t distributions
  • busting a 72t
  • Busting a 72t
  • Busting a Plan
  • Busting a Sepp
  • Busting and restarting 72t payouts
  • busting early seems inevitable
  • busting my account
  • Busting plan in last year...
  • busting your 72t
  • Carrier Cancels 72t
  • Change of custodian- busted 72T
  • class action settlement
  • Cost to Bust
  • cost to bust
  • Cost to Bust
  • Cost to Bust
  • depleted IRA on 72t
  • Determine penalty for breaking 72t
  • Did I bust my SEPP?
  • Disability and busting 72t
  • Disability and busting 72t
  • Disqualifying transactions
  • Distribution BEFORE taking first SEPP Distribution
  • distributions and the 10% penalty
  • Do Advisory fees charged to a SEPP bust the SEPP
  • Do I have a big problem?
  • does taking cap gains dist cause 72t bust
  • early distribution from pension plan, 10% exceptio
  • Early withdrawal in one IRA busting the SEPP in a 2nd IRA?
  • Early withdrawal in one IRA busting the SEPP in a 2nd IRA?
  • Economic Stimulus and the 10% Pre-59 1/2 Penalty
  • Ending the plan
  • Enhancing income from an IRA with 72(t)
  • Error Results in Overwithdrawal
  • Exception to premature distribution rules
  • exceptions on 10% for "Qualified Public Safety Employees"
  • Excess 72T
  • Excess Distribution
  • excess SEPP distributions
  • Exhausting 72t funds early
  • Explain Cost to Bust column on amortization chart
  • Fixing Busted 72t
  • Forgot to take my 2009 SEPP payment
  • Forms to end SEPP
  • Funding IRA-B from SEPP IRA-A
  • Has my 72t been violated
  • How do you report a Broken 72t for past years penalties
  • How to Fix "Busted" 72T
  • How to Pay Back Taxes On a Busted 72-T Plan
  • How to report penalties on "busted" 72(t
  • If you begin 72t withdrawals from an IRA, can you take additional distributions
  • In the spirit of "substantially equal"...
  • Inaccurate account activity.
  • incorrect distribution from SEPP
  • intentionaly busting plan
  • IRS "Busted SEPP" Rulings --- Update
  • IRS Audit?
  • IRS Greetings
  • IRS Notice 2009-82
  • IRS penalties
  • IRS Penalty
  • irs penalty
  • IRS says I owe 10 percent penalty
  • Is 72t Busted???????
  • Missed 72t payment out of IRA - can we correct it?
  • Multiple SEPPs; Bust 1
  • My distribution is off $0.04, should I correct it?
  • Need remedy for possible busted 72T
  • need to bust my 72T to roll to a ROBS plan?
  • New IRS Attitude on "Executory" Errors
  • New SEPP - Don't want to bust it at the start
  • New SEPP or exempt
  • Not Sure How Big Of a Mess I''ve Created
  • once an account is violated
  • One Time Dist during 72t payout
  • Overdraw
  • payment date too soon
  • Payments after busted 72t
  • Payout exception to 10% penalty
  • Pension Protection Act 2006 - Excess Distrib.
  • pension, 10% penalty?
  • pre age 59 1/2 withdrawal
  • Premature distribution
  • Premature Distribution
  • Premature Distribution of IRA - Student Loans
  • Premature Distributions
  • Prematurely stopping 72t
  • Probable bust
  • Publication - 590 - SEPP as Valid exception to 10%
  • Question on excess distribution of SEPP Plan
  • Reasonable cause on 72t modification
  • reconfiguring a busted SEPP
  • Reporting a busted 72t
  • Reporting a Busted Plan?
  • Reporting busted Sepp on tax return
  • Reporting Penalty for Violation of SEPP 72-t
  • Restarting 72 payment
  • restarting a 72t
  • Return of withdrawal
  • SEPP Amount Too High
  • SEPP busted by change at Credit Union
  • SEPP Depletion
  • sepp distribution too much by one month of state taxes
  • SEPP Question
  • sepp violation
  • SEPP Violation Nuances
  • SEPP Violation Question
  • Skipped 72t payments and Recovery Act of 2009
  • Started SEPP program 4/14 ,now can I take a withdrawal outside of that plan
  • Starting a new 72t plan after busting an old one
  • Stopping 72T
  • Substantially Equal Payments 10% Penalty Exclusion on Pension Payments
  • Substantially Equal Payments For Spouse On Inherit
  • taking extra money from Ira 72t
  • Taking lump sum from IRA after starting 72t distri
  • trustee/custodian error busts SEPP plan
  • Under estimating payments
  • Underwithdrawal of Annual SEPP amount
  • Violating distributions
  • Violation of 72T
  • voiding my sepp
  • What does the "cost to bust" column mean
  • What happens when you intentionally break a 72t?
  • What's next after busting a 72t?
  • When 10% IRS penalty applicable
  • when the bust occurs
  • whos fault?? (72t problems)
  Show all articles ( 192 ) Collapse Articles

• Penalties

  • 50% penalty??????
  • 72-t withdrawal
  • 72(t)
  • 72T distributions
  • 72T Election
  • 72t penalties
  • 72T penalty help
  • 72t termination
  • Determine penalty for breaking 72t
  • early withdrawal
  • Excess 72T
  • General info
  • IRA Question 72t
  • IRS Penalty
  • penalties
  • penalty
  • penalty
  • Penalty ?
  • penalty bill due before error resolved
  • penalty or no penalty
  • Previous non SEPP distribution
  • SEPP Penalty calculation
  • State imposed penalty?
  • State Penalties
  • Tax, Penalty & Interest on Busted 72t??
  • Vanguard and I differ.
  Show all articles ( 18 ) Collapse Articles