72t Advisor in Phoenix
Serving Phoenix residents with specialized penalty-free early retirement planning through 72(t) SEPP from our nearby Scottsdale headquarters
Expert 72(t) SEPP Planning for Phoenix Residents
As Arizona's capital and largest city, Phoenix is home to thousands of professionals approaching early retirement. With a median household income above the national average and a growing population of pre-retirees, Phoenix residents are increasingly exploring penalty-free early access to retirement funds through IRS Rule 72(t).
Demographic Insight: With over 1.6 million residents and a median age of 34, Phoenix has a substantial population of mid-career professionals who may benefit from early retirement planning strategies.
Why Phoenix Residents Trust Our 72(t) Expertise
Understanding Phoenix's unique cost of living and retirement lifestyle needs
Expertise serving Arizona's diverse professional community including healthcare, technology, and aerospace workers
Knowledge of Arizona state tax implications for retirement distributions
Convenient virtual consultations with in-person meetings available at our Scottsdale office
Experience with large employer 401(k) plans common in Phoenix's corporate sector
Understanding Phoenix's Early Retirement Landscape
Phoenix's booming economy and relatively affordable cost of living make it an attractive location for early retirement. However, accessing retirement funds before 59½ requires careful planning to avoid penalties. Our team helps Phoenix residents navigate the complexities of 72(t) SEPP plans while considering Arizona's favorable tax environment.
Penalty-Free Access
Access your 401(k) or IRA before 59½ without the 10% penalty through a properly structured 72(t) SEPP plan.
Flexible Income
Receive regular distributions tailored to Phoenix's cost of living and your specific financial needs.
IRS Compliant
We ensure your 72(t) plan meets all IRS requirements to avoid penalties and maintain compliance.
Our Process for Phoenix Clients
From consultation to implementation, we guide you through every step of creating your 72(t) SEPP plan.
Free Consultation
Schedule a complimentary consultation to discuss your Phoenix retirement goals and determine if a 72(t) plan is right for you.
Custom Plan Design
We calculate your optimal distribution amount using IRS-approved methods and structure a compliant 72(t) SEPP.
Implementation & Support
We coordinate with your custodian to establish the plan and provide ongoing support to ensure continued compliance.
How Phoenix Residents Use 72(t) Plans
Our Phoenix clients use 72(t) SEPP plans for various early retirement and financial flexibility goals:
Early Retirement
Leave the workforce in your 50s and enjoy Phoenix's lifestyle without waiting until 59½ to access retirement funds.
Career Transition
Bridge income gaps while transitioning to a new career, starting a business, or pursuing passion projects.
Healthcare Coverage
Fund health insurance premiums and medical expenses during the gap years before Medicare eligibility.
Financial Flexibility
Create a reliable income stream to supplement other income sources or cover unexpected expenses.
Ready to Explore Your Options in Phoenix?
Schedule a free, no-obligation consultation with our 72(t) specialists. We'll review your retirement accounts, answer your questions, and help you determine if a 72(t) SEPP is the right strategy for your Phoenix early retirement goals.
Your trusted 72t Advisor serving Phoenix, Arizona