72t Rule & SEPP Calculation Advice

Learn how to access your retirement funds penalty-free using a 72(t) Series of Equal Periodic Payments (SEPP)

Serving clients nationwide. A quick phone call will help you determine if this is right for you.

During our 15 minute call we will cover

  • The cost of choosing the wrong calculation method
  • How to structure your payments for penalty-free income
  • What to expect from your financial advisor
  • Common 72(t) pitfalls to know about

IRS Rule 72(t) SEPP Can Help Individuals With

Retiring Early

Financial Hardship

Improving Quality of Life

Stuart Spivak - the 72t Professor

The Spivak Financial Group focuses on 72(t) SEPP income planning as our specialty.

  • 30+ years of helping individuals & families
  • Helping 500+ clients nationwide with 72(t) income planning
  • A+ Rating with Better Business Bureau
  • Operating under a fiduciary standard – our clients’ interests always come first
  • Independent: No proprietary products
  • Personalized solutions
  • Comprehensive Wealth Management

This is not a DIY project. We handle the process from A-Z. We make it simple to work with the experienced 72(t) Professor Team, powered by The Spivak Financial Group.

Step 1

Schedule a Complimentary Consultation

See if this approach is right for you. If so, we prepare a custom analysis for you.

Step 2

Set Up

Establish an IRA with a 72(t)-friendly custodian. We certify the calculation. We manage your account. We handle all of the paperwork.

Step 3

Penalty-Free Income

Start receiving your 72(t) Series of Equal Periodic Payments. We keep you off the IRS’ mailing list.

A quick phone call will help you determine if this is right for you