About

We are 72(t) Specialists

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

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37+ 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

We Offer 72(t) Rule & SEPP Advice

Welcome to 72(t) Professor, powered by The Spivak Financial Group. With over 500+ clients nationwide and 35+ years of experience, we specialize in 72(t) penalty-free income planning. We are a boutique, full-service independent wealth management firm operating under a fiduciary standard with no proprietary products or solutions. We help you choose the right investment option(s) and customize a plan of action to help you achieve your wealth management goals and objectives.

Don’t Try Setting Up a 72(t) Until You Watch This:

We Offer a Personalized Estimate.

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

This is not a DIY project. We handle the process from A-Z.