No. of Recommendations: 0
Jim asks:

<<A while ago you gave me some good information on penalty-free early withdrawals from IRAs, and pointed me to your message 3039 in this folder. At the end of that message you say:
"IMHO, those who wish to use Sec 72t should engage a professional skilled in the computations of all three methods. In addition, that pro should provide the account owner a letter specifying the method used in detail and expressing an opinion that the calculations comply with the requirements specified in the IRC and by the IRS. That way if something goes wrong, there's someone besides yourself to hold accountable. Things are just much safer that way."

How do I find such a pro? I'm striking out at CPA and accounting firms in my area - none have much knowledge of the method.

In the trivial department, what does IMHO stand for? I see it frequently in the message boards, but haven't figured it out.>>

In My Humble Opinion (i.e., IMHO), you should be able to find someone skilled in 72(t) calcs without too much difficulty. Any good fee-only Certified Financial Planner who specializes in retirement planning does them, as do many tax and estate planning attorneys. Many CPAs do, too, even though you've had no luck in finding a firm that does. I think the easiest (and probably the cheapest) to find is the fee-only CFP. You can find a listing of those available in your area on the website of the Institute of Certified Financial Planners ( ). Pick out some names and do some calling, and I'm sure you'll find one in your area who will do some rund for you at a nominal fee.

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