72(t), Final Thoughts

Keep in mind that mistakes can be costly : For SEPP distributions, any change in the payment schedule after you begin taking withdrawals may subject you to the 10% penalty tax, plus interest, applied retroactively to all previous withdrawals. 

Be conservative in your estimates - The longer the time period that you have to the end of your plan, the more conservative you may want to be - especially if you plan using a Cost of Living Adjustment or a frozen interest rate on the payment calculations. Running out of funds to make the required plan distribution would be a change in method possibly triggering both penalty taxes and retroactive interest - all at a point when the fund is gone!
Don't be part of a SEPP horror story - Establish a plan that will take advantage of past PLRs and almost guarantee that your SEPP will never go bust - yes it is possible, but it must be planned for in advance. Consult an advisor to the extent you consider necessary - mistakes can be very costly. You may be a very good engineer, computer consultant or teacher - but that doesn't make you an expert on the IRC.

The best advice is to use this site to do estimates and become knowledgeable on the subject, then "Hire a Pro" to do the work.

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