72(t) DISTRIBUTION CONSULTANTS
If you are under the age of 59 ½ and have $200,000 or more in your 401(k), IRA or other qualified retirement plan, we can help you use IRS Rule 72(t) SEPP to unlock your retirement funds penalty-free.
A 72(t) SEPP unlocks life-changing, consistent income you can use to pursue the things that make life better without punishing penalties from the IRS. The possibilities are endless!
The 72(t) rule is a life-changing opportunity, and we believe everyone who’s eligible should have access to the expert guidance and support they need to use it.
That’s why our financial advisory firm, Spivak Financial Group, created our specialized service, 72(t) Professor, to help people take advantage of the 72(t) rule.
for both the structuring and the ongoing management of your 72(t) SEPP.
for structuring your 72(t) IRA. It sounds too good to be true, but these options exist!
for both the structuring and the ongoing management of your 72(t) SEPP.
There are many more rules and requirements which is why expert help is required. When your 72(t) is properly managed, you have access to your penalty-free income while your IRA investments continue to remain protected for future growth potential.
One mistake can lead to severe financial penalties even years down the road, leaving you at risk of doing more damage than good. Breaking a 72(t) SEPP at any time is financially painful as the IRS goes back to day one when you began withdrawals, and penalties will then be assessed for all withdrawals.
“I’ve learned that people don’t care how much you know until they know how much you care. I strive each day to let my clients know how much I care about their financial well-being and the things that are most important to them.”
Stuart J. Spivak LUTCF | RFC®
Senior Partner, Spivak Financial Group
Our Team at Spivak Financial Group serves as Financial Advisor for your newly-formed IRA under the 72(t) SEPP rule and walks you through these crucial steps.
Our experienced team assesses your situation to understand how much income you actually want or need to access utilzing IRS Rule 72(t). (You do not have to move all of your retirement savings into this new account, just what you need.)
An expertly-strategized structure is the key to utilizing 72(t) without risk of severe financial penalties and a better, more predictable outcome.
Ongoing, expert management ensures compliance with IRS rules. Meanwhile, you enjoy using the additional PENALTY-FREE INCOME while your money remains protected for a better and more predictable outcome.
Provide us some basic information by clicking the button below, and one of our 72(t) Specialists will contact you to provide a complimentary, personalized estimate.
Sign up now for our 72(t) SEPP Masterclass and learn what you need to know in order to access your retirement funds before Age 59½—without penalties!
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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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