​72(t) Professor, powered by The Spivak Financial Group, is a specialized advisory service focused on helping individuals access their retirement funds—such as IRAs, 401(k)s, 403(b)s, and TSPs—before age 59½ without incurring the standard 10% early withdrawal penalty. This is achieved through IRS Rule 72(t), which allows for Substantially Equal Periodic Payments (SEPP) under specific conditions .​

With over 35 years of experience, Stuart J. Spivak, LUTCF | RFC®, leads the firm, which has assisted more than 500 clients nationwide. Operating under a fiduciary standard, the firm offers personalized, independent wealth management solutions without proprietary products .​