We are 72(t) Specialists
Welcome to 72t Advisor, powered by The Spivak Financial Group. With over 500+ clients nationwide and 37+ years of experience, we specialize in 72(t) penalty-free income planning. We are a boutique, full-service independent wealth management firm operating under a fiduciary standard with no proprietary products or solutions.
The Spivak Financial Group focuses on 72(t) SEPP income planning as our specialty.
We help you choose the right investment option(s) and customize a plan of action to help you achieve your wealth management goals and objectives.
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
Personalized solutions
Comprehensive wealth management
Don't Try Setting Up a 72(t) Until You Watch This:
Understanding the complexities of IRS Rule 72(t) is crucial before making any decisions. Watch this important video to learn what you need to know.
Expertise, Integrity, and a Fiduciary Commitment
The world of financial advice can be complex and confusing. We believe in simplifying it. At 72t Advisor, we are founded on three core principles:
Specialized Expertise
General financial advice isn't enough when it comes to IRS Rule 72(t). This niche requires dedicated knowledge and experience to avoid costly errors. Our team lives and breathes 72(t) planning, staying current on all regulations and best practices to ensure your financial security.
Unyielding Integrity
We believe in building relationships based on trust and transparency. We provide clear, straightforward advice and ensure you understand every aspect of your 72(t) plan. There are no hidden fees or proprietary products—just honest guidance tailored to you.
Fiduciary Duty
As fiduciaries, we are legally and ethically bound to act in your best interest at all times. Your financial well-being is our highest priority, and our recommendations are always based on what is most beneficial for you, not us.
Meet the Experts Guiding Your Financial Future
Powered by Spivak Financial Group
72t Advisor is a specialized service of Spivak Financial Group, a second-generation wealth management firm dedicated to helping clients protect their financial futures and minimize tax burdens at every stage of their journey.
37+ years helping individuals & families
500+ clients nationwide with 72(t) income planning
A+ Rating with Better Business Bureau
Operating under a fiduciary standard
"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
We Offer a Personalized Estimate
Would you like a personalized income estimate of what your 401(k), TSP, 403(b), 457 plan or IRA can generate penalty-free using IRS Rule 72(t)?
This is not a DIY project. We handle the process from A-Z.
Let's Start the Conversation
Are you ready to explore your options for early retirement income? Schedule a free, no-obligation consultation with our team today. We'll review your situation, answer your questions, and help you determine if a 72(t) SEPP is the right fit for you.
Schedule Your Free 72(t) Consultation