Why I Plan to Start an SEPP

“Isn’t a Roth conversion ladder far superior to an SEPP in every way?”

“You wrote all of this stuff about SEPPs but it is a complete waste of time, everyone should just do a Roth conversion ladder.”

“Thanks for the SEPP Calculator but isn’t a Roth conversion ladder more flexible?”

All good questions / comments, of course. The Roth conversion ladder is a great option to access retirement accounts before age 59.5. But some people will still find that the SEPP is better suited to their wants / needs.

Me, for example.