Wealth Management Consultancy

We can help you access your IRA or old 401k before age 59 1/2 without penalties.

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Stuart Spivak - the 72t Professor

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

  • 35+ 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

Rule 72(t) SEPP-Top 10 Things To Do Now

August 22, 2023

72(t) SEPP (Substantially Equal Periodic Payments) is a financial planning strategy by which you can take penalty-free withdrawals from your IRA or old 401(k) before the age of 59½. However, …

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Rule 72(t) SEPP-Top 10 Things To NOT Do

Here are the Top 10 things you should NOT do when considering a 72(t) SEPP: 1. Do not set up a 72(t) SEPP without consulting with a financial advisor: It …

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Would you like a free personalized estimate of the amount of penalty-free income your 401(k), TSP, 403(b), 457 plan or IRA can generate using the IRS Rule 72(t)?

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