Part 4 of The Rule That Taxes Your Retirement. A missed RMD used to cost half of what you should have taken. Today it's 25%, or 10% if you fix it in time, and the IRS can waive it entirely. Why a review before December 31 matters.
Part 3 of The Rule That Taxes Your Retirement. Your RMD is one division: last December's balance divided by a factor from an IRS table. On a $1,000,000 IRA, that's about $37,700 at 73 and about $82,000 at 90. Plus the rules that trip people up.
Part 2 of The Rule That Taxes Your Retirement. For 45 years the starting age was 70½. Now it's 73 or 75, depending on the year you were born. The age ladder, the first-year catch that can mean two RMDs in one year, and the still-working exception.
Part 1 of The Rule That Taxes Your Retirement. At a certain age, the government stops waiting and makes you withdraw from your IRA every year, whether you need the money or not. What a required minimum distribution is, and the deal you made decades ago that started it.
Part 5 of Dental Care in Retirement. Since 2022, a Medicare Advantage plan may pay for routine dental even when your dentist has opted out of Medicare. How networks and out-of-network care work, and six questions to ask before your next visit.
Part 4 of Dental Care in Retirement. Many Medicare Advantage plans include dental, and a lot of it goes unused. Where to find the dental section in your plan's papers, what 'preventive' and 'comprehensive' really mean, and the limits to look for.
“My full trust is in you folks and always has been since the beginning.”
— Dana B., ARA client since 2019
“Best decision we made years ago in AZ was finding American Retirement Advisors!”
— Ellen K., Scottsdale
“I told my friends I was in the same position and talked to American Retirement Advisors and got my questions answered.”
— Rod H., ARA client
“I was talking to a family friend yesterday and told him what a wonderful job Marc did.”
— Susan S., Mesa
“He comes highly recommended by close friends. I only want to talk to David Edge.”
— Gene M., referred client
“This is my first year in Medicare and your input was extremely helpful.”
— Randy B., new client
We start by learning what you want to accomplish and what you have to work with. We can't help if we don't know the full picture.
We keep the best of what you already have, replace what can be better, and make sure nothing is falling through the cracks.
As life changes, so should your plan. We lock in an annual review to make sure everything is still working for you.
Part 5 of Dental Care in Retirement. Since 2022, a Medicare Advantage plan may pay for routine dental even when your dentist has opted out of Medicare. How networks and out-of-network care work, and six questions to ask before your next visit.
Part 4 of Dental Care in Retirement. Many Medicare Advantage plans include dental, and a lot of it goes unused. Where to find the dental section in your plan's papers, what 'preventive' and 'comprehensive' really mean, and the limits to look for.
Part 3 of Dental Care in Retirement. Before you sign up for any dental plan, there are other places to look: your own dentist, dental schools and hygiene clinics in the Phoenix area and Las Vegas, community health centers, and Medicaid if you qualify.
Part 2 of Dental Care in Retirement. A dental discount plan and a dental insurance policy work very differently. In our example, the same policy costs $1,780 or $1,155 for the year, depending on when you need the crown.
Part 4 of The Rule That Taxes Your Retirement. A missed RMD used to cost half of what you should have taken. Today it's 25%, or 10% if you fix it in time, and the IRS can waive it entirely. Why a review before December 31 matters.
Part 3 of The Rule That Taxes Your Retirement. Your RMD is one division: last December's balance divided by a factor from an IRS table. On a $1,000,000 IRA, that's about $37,700 at 73 and about $82,000 at 90. Plus the rules that trip people up.
Part 2 of The Rule That Taxes Your Retirement. For 45 years the starting age was 70½. Now it's 73 or 75, depending on the year you were born. The age ladder, the first-year catch that can mean two RMDs in one year, and the still-working exception.
Part 1 of The Rule That Taxes Your Retirement. At a certain age, the government stops waiting and makes you withdraw from your IRA every year, whether you need the money or not. What a required minimum distribution is, and the deal you made decades ago that started it.
David closed Fiscal Fridays with a picture worth keeping: Medicare is one room in your house, and your income and your family's plan live there too. A simple once-a-year walk through all three rooms.
The thirty-second clock on Fiscal Fridays is David Schaeffer's 1878 Rockford pocket watch. Behind it is a story about railroads, a wreck in Ohio, and a jeweler who made America's watches honest, plus a practical question every family with a watch drawer should answer.
Four real situations, thirty seconds each: a widow who found four accounts she never knew about, a man who sold his company and felt nothing, a couple whose plan is twenty-two years old, and three kids who will not agree. Plus Greg Frantz on thirty years of Medicare. Hayes's thirty-two-minute cut is
The thing that actually splits families isn't the money. It's a ring, a chair, a photo, and the feeling of being left out. Here is how you hand it all down without anyone stopping speaking.
