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A distribution of retirement savings across different accounts and tax treatments under IRS Rule 72(t).
Fórmula
Substantially Equal Periodic Payment (SEPP) = Account Balance / Life Expectancy Factor
Guia passo a passo
- 1Calculate your current retirement account balance
- 2Determine your life expectancy factor using IRS tables
- 3Divide the balance by the factor to get your annual payment amount
- 4Ensure payments are taken for at least 5 years or until age 59.5
Exemplos resolvidos
Entrada
Balance: $500,000, Life Expectancy: 25 years
Resultado
$20,000 annual SEPP
Allows penalty-free withdrawal before age 59.5
Erros comuns a evitar
- ✕Not following the 5-year rule
- ✕Stopping payments prematurely
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