72t Advisor in Tempe
Expert penalty-free early retirement guidance through 72(t) SEPP for Tempe's diverse professional community
Expert 72(t) SEPP Planning for Tempe Residents
Home to Arizona State University and a thriving technology sector, Tempe attracts educated professionals with strong retirement savings. Whether you're a university employee, tech professional, or healthcare worker, our team provides specialized 72(t) planning to help Tempe residents access retirement funds early without penalties.
Demographic Insight: With a population of 180,000+ and a median age of 31, Tempe has a younger demographic, but many mid-career professionals are already planning for early retirement.
72(t) Planning Tailored for Tempe Residents
Expertise with Arizona State Retirement System (ASRS) and university retirement plans
Understanding Tempe's mix of public sector and private sector retirement accounts
Knowledge of tech industry 401(k) plans and stock options common in Tempe
Convenient location just minutes from Tempe with virtual consultation options
Experience serving Tempe's younger professional demographic
Understanding Tempe's Early Retirement Landscape
Tempe's vibrant economy and proximity to ASU create unique retirement planning opportunities. Many Tempe professionals in their 50s are exploring early retirement options, and 72(t) plans offer a legal pathway to access retirement funds penalty-free. Our team understands the specific retirement vehicles common among Tempe employers.
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 Tempe'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 Tempe 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 Tempe 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 Tempe Residents Use 72(t) Plans
Our Tempe clients use 72(t) SEPP plans for various early retirement and financial flexibility goals:
Early Retirement
Leave the workforce in your 50s and enjoy Tempe'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 Tempe?
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 Tempe early retirement goals.
Your trusted 72t Advisor serving Tempe, Arizona