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72(t) Articles

Joint Life Expectancy Tables A Complete Guide

Master joint life expectancy tables for retirement planning. Our guide simplifies SEPP and 72(t) calculations to help secure your financial future.

72(t) Articles

A Realistic Guide on How to Retire at 50

Discover how to retire at 50 with our practical guide. Learn the financial planning, investing, and savings strategies you need for early retirement.

72(t) Articles

How to Take Money from 401k: Easy Guide & Tips

Learn how to take money from 401k wisely. Discover options like loans, hardship withdrawals, and penalty-free methods to access your funds effectively.

72(t) Articles

Your Guide to Substantially Equal Periodic Payments Rules

Unlock retirement funds early. This guide demystifies the substantially equal periodic payments rules (SEPP) under IRS Code 72(t) to avoid penalties.

72(t) Articles

A Guide to Financial Independence Retire Early

Achieve financial independence retire early with our guide. Learn actionable strategies for saving, investing, and using a 72(t) SEPP plan to retire sooner.

72(t) Articles

12 Best Retirement Planning Apps for Your Future in 2025

Discover the 12 best retirement planning apps to manage your portfolio and secure your future. Compare top tools for goal tracking and investment automation.

72(t) Articles

10 Early Withdrawal Penalty Exceptions You Need to Know

Discover the 10 early withdrawal penalty exceptions that can save you money. Learn how to access your funds early without penalties today!

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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.

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