• What is 72(t) SEPP?
    • What You Need to Know
    • 72(t) Articles
    • Educational Videos
  • Top 10 FAQ
  • About Us
    • Meet Our Founder
  • What is 72(t) SEPP?
    • What You Need to Know
    • 72(t) Articles
    • Educational Videos
  • Top 10 FAQ
  • About Us
    • Meet Our Founder

(844) 776-3728

Schedule a Free 72(t) Consultation

Month: May 2023

Uncategorized

How are 72(t) Distributions Taxed?

When it comes to retirement planning, the taxation of distributions is an important factor to consider. One type of distribution that may be available to those who are retired or …

Uncategorized

How do you Calculate Substantially Equal Periodic Payments?

When it comes to retirement planning, understanding substantially equal periodic payments (SEPPs) is essential. SEPPs are a type of retirement plan strategy  that allows you to withdraw money from your …

Uncategorized

What Does 72(t) Series of Equal Periodic  Payments Mean?

When it comes to financial planning, it is important to understand the various terms and concepts that are used. One such term is “series of equal  periodic payments” (SEPP) or  …

Uncategorized / Early Retirement

What Should I Do 12 Months Before Retirement?

Retirement is an exciting time, but it can also be a bit overwhelming. It’s important to plan ahead and make sure you have your “financial house”  in order before you …

Spivak Financial Group

8753 E. Bell Road
Suite #101
Scottsdale, AZ 85260

Facebook-f Linkedin-in Youtube

Free Resources

  • Educational Videos
  • Top 10 FAQs
  • 72(t) Articles
Schedule a Free 72(t) Consultation
Call us Today: (844) 776-3728
Get an Estimate of Your 72(t) Income
Ask The Professor a Question

The content, products and services offered on this website are related solely to IRS Rule 72(t) and the “Substantially Equal Periodic Payments” (SEPP) provision of the Rule that allows individuals to access their qualified funds, penalty free, prior to the age of 59 ½. They are offered for educational purposes only and should not be considered as securities or investment advice, which can only be offered after a thorough assessment of one’s financial background and suitability profile. 72(t) Professor and The Spivak Financial Group are separate entities.

Securities and advisory services offered through Centaurus Financial Inc., Member FINRA and SIPC, a Broker/Dealer and Registered Investment Advisor.

Supervisory Branch: 2300 East Katella Avenue, Suite 200, Anaheim, CA 92806. Phone: 714-456-1790

The Spivak Financial Group and Centaurus Financial, Inc. are not affiliated. This site is intended for residents of the United States of America in the following states only. AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WV, WI, and WY.

  • Compliance Disclosures
  • Privacy Statement
  • Sitemap

Copyright © 2025 – The Spivak Financial Group, All Rights Reserved.

  • Login
Forgot Password?
Lost your password? Please enter your username or email address. You will receive a link to create a new password via email.
body::-webkit-scrollbar { width: 7px; } body::-webkit-scrollbar-track { border-radius: 10px; background: #f0f0f0; } body::-webkit-scrollbar-thumb { border-radius: 50px; background: #dfdbdb }