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Stuart Spivak

We are 72(t) Specialists

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

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  • 36+ 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
Meet Stuart J. Spivak, LUTCF | RFC®

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:

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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.

  • Complimentary.
  • No Risk.
  • No Obligation.
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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.

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

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