About Your 72(t) Setup Specialists
Meet the team dedicated to helping Americans across the United States access their retirement funds early — without the 10% IRS penalty — through properly structured 72(t) SEPP plans.
Stuart J. Spivak
LUTCF | RFC® — Senior Partner
The Spivak Financial Group
Stuart J. Spivak is a fiduciary financial advisor and retirement specialist with 35+ years of experience helping clients navigate complex IRS rules — including the precise, unforgiving requirements of IRS Section 72(t) Substantially Equal Periodic Payments (SEPP).
A fundamental aspect of our role as a 72(t) SEPP Setup Specialist is to provide impartial, expert guidance to individuals approaching early retirement — helping them access their IRA or 401(k) funds before age 59½ without triggering the 10% early withdrawal penalty.
At Spivak Financial Group, we are truly independent fiduciary advisors. Our team has 50+ years of combined financial planning experience, and our certifications and licenses allow us to offer a broad array of financial solutions tailored to each client's unique situation.
A single error in a 72(t) plan — wrong account balance, incorrect interest rate, improper documentation — can trigger the 10% penalty retroactively on every distribution ever taken, plus interest. We set up plans correctly the first time, every time.
We serve clients in all 44 states we are licensed in and utilize virtual meetings to make it very easy to get the information and help you need — from anywhere in the country.
Credentials & Designations
- LUTCF — Life Underwriter Training Council Fellow
- RFC® — Registered Financial Consultant
- Fiduciary Financial Advisor
- 35+ Years of Financial Planning Experience
- Member FINRA & SIPC
- Registered Investment Advisor
- IRS Section 72(t) SEPP Specialist
- Nationwide Service via Phone & Zoom
Verified Credentials
You no longer have to figure out your 72(t) alone. Stuart and his team have helped hundreds of pre-retirees get their SEPP plans set up correctly — and sleep soundly knowing their distributions are fully IRS-compliant.
— Spivak Financial Group Client
How We Help You Setup a 72(t)
72(t) SEPP Plan Design
We calculate all three IRS-approved SEPP methods — Required Minimum Distribution, Fixed Amortization, and Fixed Annuitization — and select the optimal approach for your income goals and account balance.
IRS-Compliant Documentation
Every 72(t) plan we set up includes complete, audit-ready documentation. We apply the exact methodology from IRS Revenue Ruling 2002-62 so your distributions are fully defensible in any IRS review.
Ongoing Compliance Monitoring
A 72(t) SEPP plan must remain unmodified for 5 years or until age 59½ — whichever is longer. We monitor your plan annually to ensure continued IRS compliance and avoid retroactive penalties.
IRA & 401(k) Rollover Strategy
We help you determine the right account structure before setting up your 72(t) — including whether to roll over a 401(k) to an IRA, and how to segregate accounts to maximize flexibility.
Early Retirement Income Planning
For clients retiring before age 59½, we build a comprehensive income plan that coordinates your 72(t) distributions with other income sources, Social Security timing, and tax-efficient withdrawal sequencing.
Penalty Correction Consulting
If you have an existing 72(t) plan that may have been set up incorrectly or modified in error, we provide a thorough review and work with you to assess your options and minimize IRS exposure.
Ready to Setup Your 72(t)?
Schedule your free consultation today and take the first step toward accessing your retirement funds early — without the 10% IRS penalty.