Yes, I did my plan myself. I relied on the old 72t.net website (now 72tnet.com) and William Stecker's book (https://www.72tcalc.com).Thanks guys for the response. Gryphon, did you do this all by yourself without a "profession"?
Any reasons for this "Though in the last year I would probably go ahead and make the withdrawal prior to June 1st rather than after just in case of an audit."
-why the last year should be before June 1st ?
I think I have to amend my previous statement about making the last year withdrawal before June 1, in fact I now think it's the opposite in this case. If your plan is a 5 year plan using the amortization method running from 6/1/26 to 6/1/31, then you are required to withdraw exactly 5 times the annual withdrawal amount during that time - no more or less. If you start your plan on 6/1/26 by withdrawing the full annual amount of $49633.42, and withdraw that same amount again in '27, '28, '29, and '30, then you've fully withdrawn the total amount you can withdraw under your SEPP plan and any withdrawal you made in '31 on or before June 1 would break the plan. You would need to wait until after June 1 to make a '31 withdrawal.
Statistics: Posted by Gryphon — Thu Dec 11, 2025 1:18 am — Replies 5 — Views 646