{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Tax Matters | Advanced Tax Planning for High-Net-Worth Retirees","title":"Getting To Age 59 1/2 for High-Net-Worth Retirees: Utilizing SEPP (72t) and The Rule of 55 for Pre-Tax Accounts | Episode 27","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/07cbe840\"></iframe>","width":"100%","height":180,"duration":1833,"description":"Episode 27 of Retirement Tax Matters examines a couple bridge strategies for retirees in the $2M–$8M range who have a large amount of pre-tax funds but restricted by the age 59 ½ milestone. Garrett Crawford, CFP® and Adam Reed break down Substantially Equal Periodic Payment (SEPP) method and the Rule of 55 for 401(k) plans.\n\n(00:00) – Intro\n(01:45) – Accessing Retirement Funds Before 59½\n(06:15) – Why the IRS Penalizes Early Withdrawals\n(08:40) – Strategy 1: SEPP for IRAs Explained\n(12:20) – The Risks, Formulas, and Strict Rules of SEPPs\n(16:30) – Partitioning Your IRA\n(19:10) – Strategy 2: The Rule of 55 for 401(k) Accounts\n(21:45) – The Danger of Rolling Your 401(k) to an IRA Too Soon\n(25:00) – The Roth 401(k) Pro-Rata Landmine\n(28:00) – Our Tax Return-Driven Planning Process & Free Checklist\n\nDownload a FREE Year-End Tax Planning Checklist for HNW Retirees: https://www.retirementtaxmatters.com/checklist\n\nRead the full disclosures here: https://www.retirementtaxmatters.com/disclosures","thumbnail_url":"https://img.transistorcdn.com/QMBp4ueQC8kgGJT6p5R0uXjrbcTiKAgi9QK0kiNMFPA/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wYzY3/YjA3YWZlMmM4NTRl/ZTkwNWI5NTYyYTZm/NmQzZi5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}