Personal Finance
What is a 72(t) substantially equal periodic payment (SEPP)?
Quick Answer
A 72(t) SEPP is a series of equal IRA distributions that lets you tap retirement money before 59½ without the 10% penalty. Continue 5 years or to age 59½, whichever is later. Modify early and the 10% penalty hits retroactively.
Warren Team
Updated April 26, 2026
38
Warren Team
Updated April 26, 2026
38
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The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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