72(t) SEPP (Substantially Equal Periodic Payments) is a financial planning strategy by which you can take penalty-free withdrawals from your...
Here are the Top 10 things you should NOT do when considering a 72(t) SEPP: 1. Do not set up...
If you are nearing retirement age and looking for ways to access your retirement savings without penalty, you may have...
When it comes to retirement planning, making smart decisions will help you reach your financial goals. Two often-used strategies for...
When it comes to retirement planning, it’s important to understand how the Internal Revenue Service (IRS) calculates life expectancy. Knowing...
Introduction As you plan for your retirement, you may be considering ways to access your retirement funds early without incurring...
When it comes to financial planning, it is important to understand the various calculations and formulas that are used. One...
Retirement planning can be a daunting task, especially when it comes to understanding the various options available. One of the...
72(t) early retirement Every day we get calls, emails, and inquiries from individuals across the United States who ask us,...
8753 E. Bell Road
Suite #101
Scottsdale, AZ 85260
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.
Copyright © 2025 – The Spivak Financial Group, All Rights Reserved.
