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 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.

Schedule a Complimentary Consultation

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

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.

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