Download our free guide to learn what can go wrong when a 72(t) SEPP is handled casually — and what to know before you trust your retirement income plan to the wrong advisor, custodian, or online calculator.

Meet The Professor

Stuart J. Spivak LUTCF | RFC® is the Senior Partner of Spivak Financial Group, a second-generation independent wealth management firm that helps successful individuals and families reduce lifetime taxes, generate retirement income, protect their wealth, and make smarter financial decisions with confidence.

38+ years serving individuals and families

Helping clients nationwide with retirement income & Rule 72(t) planning

Comprehensive retirement, tax, investment & estate planning

Independent fiduciaries—always acting in our clients' best interests

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IMPORTANT DISCLOSURE: The information provided on this website is for educational and informational purposes only and does not constitute specific tax, legal, or investment advice. The application of IRS Section 72(t) rules is complex and subject to strict regulatory oversight. Calculations and strategies discussed herein should not be acted upon without the consultation of a qualified tax professional, CPA, or financial advisor. 72(t) Professor assumes no liability for penalties, taxes, or damages incurred as a result of misinterpretation or misapplication of Substantially Equal Periodic Payments (SEPP).

Securities and Advisory services offered through Centaurus Financial, Inc., member FINRA and SIPC and a Registered Investment Advisor. Supervisory Branch: 2300 E. Katella Avenue, Suite 200, Anaheim, CA 92806 (714) 456-1790 Centaurus Financial and The Spivak Financial Group are not affiliated companies.