72(t) DISTRIBUTION CONSULTANTS
Access your retirement funds early without penalties.
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.
Life is Short. Use 72(t) SEPP to Improve Your Quality of Life Now
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!
Enhance Your Monthly Income
Retire Early and Live Life on Your Terms!
Gain Time to Care for Family Members
Spend More Time Traveling
Managing a 72(t) SEPP is not something you want to DIY.
It has to be done right, because the IRS is unforgiving when you make mistakes.
- The IRS changes the interest rates used to calculate a 72(t) on a monthly basis.
- Reporting for a 72(t) SEPP is very specific and should only be done by 72(t)-friendly custodians.
- There are 3 methods which the IRS allows, and choosing the right one for your situation is very important.
- The IRS has different life expectancy tables used to calculate your penalty-free income.
- The IRS oftentimes uses a different approved interest rate depending on if income is monthly, quarterly, semi-annually or annually.
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.
What IS 72(t) SEPP?
The 72(t) SEPP stands for Substantially Equal Periodic Payments. This simply means the payments you receive must be both equal and distributed on a consistent schedule.
- These payments must be made for a minimum of 5 years or until age 59 ½, whichever comes last.
- You do pay income tax on these distributions, but you avoid the IRS 10% penalty for early withdrawals.
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.
72(t) Professor is the nationwide leader in 72(t) SEPP strategy and support.
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.
Complete A to Z
Support
for both the structuring and the ongoing management of your 72(t) SEPP.
No Fee, No Market
Risk Options
for structuring your 72(t) IRA. It sounds too good to be true, but these options exist!
72(t)-Friendly
Custodians
for both the structuring and the ongoing management of your 72(t) SEPP.
Meet the “Professor”
Stuart J. Spivak LUTCF | RFC® is the Senior Partner of Spivak Financial Group, a second generation wealth management firm that helps clients protect their financial futures and minimize tax burdens at every stage of their journey.
- 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
Stuart Spivak is a Frequent Contributor to Leading Financial Publications
“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®
Here's how 72(t) Professor unlocks your retirement funds.
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.
Assessing Your
Goals
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.)
Establishing Proper Structure
An expertly-strategized structure is the key to utilizing 72(t) without risk of severe financial penalties and a better, more predictable outcome.
Managing Your 72(t) SEPP
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.
Get a Free Estimate of Your Potential 72(t) Income!
How much penalty-free income would you have access to using the IRS Rule 72(t)?
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.
What IS the 72(t) SEPP?
Our 72(t) Professor MasterClass is a complete, on-demand course that gives you an in-depth understanding of the 72(t) SEPP rule and how it works.
72(t) IRA’s should only be structured and maintained by an experienced, financial advisory team. Nevertheless, this MasterClass will empower you to know exactly what is happening and give you confidence in selecting and interacting with your 72(t) Financial Advisory Team, powered by The Spivak Financial Group.
Learn More about 72(t) SEPP at Our Blog
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