Download the 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 wealth management firm that helps clients protect their financial futures and minimize tax burdens at every stage of their journey.

37+ 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

Privacy Policy | Terms of Service | Contact

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).