The Calloway Inheritance
The Calloway Inheritance, Episode 1: The will said “equal.”
Episode 1. Three children. One will. One form.
The American Retirement Advisor — News & Insights
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inheritance planning
Who should be at your family meeting?
Everyone. Our family meeting guide says to invite everyone, even the one who lives far away, and that they can join by video. Here is why telling someone afterward isn't the same, and how to invite them without pressure.
Sugar Smarts
Sugar Smarts: Turkey and Spinach Stuffed Mushrooms, December 2026
December 2026 Sugar Smarts recipe: Turkey and Spinach Stuffed Mushrooms. Diabetic-friendly, 3g carbs per serving.
inheritance planning
Do you need to put one of your kids in charge?
Yes: one person who will step in and coordinate for the family, and a backup. Our family meeting guide calls that person your steward. The part that's easy to skip is the question that goes with it.
inheritance planning
Do you have to tell your kids how much you have?
No. A family meeting is about structure, not amounts: where things are, who to call, and who does what. Here is what to say first, what to show, and the words to use if one of your kids asks for the number anyway.
inheritance planning
Could Thanksgiving be your family meeting?
A trust is one piece of the paperwork. The family meeting is the conversation that makes it work, and Thanksgiving is the one day most families are already in the same house.
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Discovery
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.
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We keep the best of what you already have, replace what can be better, and make sure nothing is falling through the cracks.
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As life changes, so should your plan. We lock in an annual review to make sure everything is still working for you.
Medicare & Healthcare
See What Smart Medicare Planning Looks Like →
Medicare & Healthcare
Can you see a dentist who doesn't take Medicare?
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.
Medicare & Healthcare
What does your plan's dental really cover?
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.
Medicare & Healthcare
Where can you get dental care for less?
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.
Medicare & Healthcare
Discount plan or dental insurance?
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.
Retirement Planning
Discover How Retirees Protect Their Income →
Retirement Income
What happens when your kids inherit your IRA?
Part 7 of The Rule That Taxes Your Retirement. For most children who inherit an IRA, the lifetime stretch is gone: the account must be emptied within ten years, often during their highest-earning years. Who can still stretch, where a Roth fits, and the checklist to work through now.
Retirement Income
Is there a smarter way to give?
Part 6 of The Rule That Taxes Your Retirement. If you give to charity anyway, a Qualified Charitable Distribution sends IRA money straight to the charity without it counting as your income, and it counts toward your RMD. Up to $111,000 a person in 2026, from age 70½.
Retirement Income
Can an RMD raise your Medicare premiums?
Part 5 of The Rule That Taxes Your Retirement. An RMD is income, and income moves other numbers. Medicare sets its IRMAA surcharge from your tax return two years earlier, so a 2026 RMD can raise your 2028 premiums. The first lines, and what it costs a couple to cross one.
Retirement Income
What if you miss an RMD?
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.
Inheritance Planning
Learn How Families Preserve Their Legacy →
The Calloway Inheritance
The Calloway Inheritance, Episode 1: The will said “equal.”
Episode 1. Three children. One will. One form.
inheritance planning
Who should be at your family meeting?
Everyone. Our family meeting guide says to invite everyone, even the one who lives far away, and that they can join by video. Here is why telling someone afterward isn't the same, and how to invite them without pressure.
inheritance planning
Do you need to put one of your kids in charge?
Yes: one person who will step in and coordinate for the family, and a backup. Our family meeting guide calls that person your steward. The part that's easy to skip is the question that goes with it.
inheritance planning
Do you have to tell your kids how much you have?
No. A family meeting is about structure, not amounts: where things are, who to call, and who does what. Here is what to say first, what to show, and the words to use if one of your kids asks for the number anyway.