72t Advisor in Scottsdale
Local 72(t) SEPP specialists providing penalty-free early retirement solutions for Scottsdale's affluent community
Expert 72(t) SEPP Planning for Scottsdale Residents
Scottsdale is renowned for its high quality of life, luxury amenities, and thriving retirement community. As home to our headquarters, we have deep roots in serving Scottsdale residents who seek sophisticated financial planning for early retirement. Many Scottsdale professionals with substantial retirement accounts are discovering how 72(t) plans can provide penalty-free income before age 59½.
Demographic Insight: Scottsdale's population of 240,000+ includes a higher proportion of affluent pre-retirees and early retirees than most U.S. cities, making 72(t) planning particularly relevant.
Why Scottsdale Residents Choose Us for 72(t) Planning
Headquartered right here in Scottsdale with local market expertise
Understanding of Scottsdale's upscale lifestyle and higher cost of living considerations
Experience with high-net-worth clients and complex retirement portfolios
Knowledge of local employer retirement plans from major Scottsdale corporations
In-person consultations available at our Scottsdale office
Understanding Scottsdale's Early Retirement Landscape
Scottsdale's median household income significantly exceeds the national average, and many residents have accumulated substantial retirement savings. For those considering early retirement to enjoy Scottsdale's golf courses, arts scene, and outdoor lifestyle, a properly structured 72(t) plan can provide the income bridge needed without triggering IRS penalties.
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 Scottsdale'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 Scottsdale 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 Scottsdale 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 Scottsdale Residents Use 72(t) Plans
Our Scottsdale clients use 72(t) SEPP plans for various early retirement and financial flexibility goals:
Early Retirement
Leave the workforce in your 50s and enjoy Scottsdale'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 Scottsdale?
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 Scottsdale early retirement goals.
Your trusted 72t Advisor serving Scottsdale, Arizona