Welcome to The Spivak Financial Group
Here at The Spivak Financial Group, we are truly independent Financial Advisors with 40-plus years of combined financial planning experience. Our certifications and licenses allow us to offer a broad array of financial solutions. We work with respected investment and insurance providers to help you achieve your financial goals and objectives.
We understand that retirees face many important decisions that can affect their long-term financial success. 1Some of these decisions revolve around making investments that will help create a hedge against outliving their income as a result of the impact of inflation, taxation, and rising healthcare costs. 2Because over ninety percent of our clients are retirees with similar concerns, we are in a good position to approach such challenges with experience and skills.
1Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against a loss in periods of declining values.
2Based upon current client database
What Is a 1035 Exchange?
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Systematic Withdrawals in Retirement
Taking regular, periodic withdrawals during retirement can be quite problematic.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
It sounds simple, but paying yourself first can really pay off.
The tax rules that govern donating art are complex and confusing. Take a closer look.
Whole life insurance remains in force as long as you remain current with premiums. Here's how it works.
Those looking into environmentally minded home modifications may get a boost from Uncle Sam’s tax incentives.
When selecting a mortgage, one of the most critical choices is between a fixed or variable interest-rate mortgage.
Investors who put off important investment decisions may face potential consequence to their future financial security.
This calculator can help you estimate how much you may need to save for retirement.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
Determine your potential long-term care needs and how long your current assets might last.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
This calculator compares the financial impact of leasing versus buying an automobile.
Assess how many days you'll work to pay your federal tax liability.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are some key concepts to understand when investing for retirement
A presentation about managing money: using it, saving it, and even getting credit.
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
There are a number of ways to withdraw money from a qualified retirement plan.
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Women are great at multi-tasking. But many drop the ball when preparing for retirement.
What if instead of buying that home, you invested that money?
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
Are Real Estate Investment Trusts right for your portfolio?