Retirement Income
How a Roth Conversion Affects Your Social Security Tax and Medicare Premium
A $150,000 Roth conversion saved one couple a fortune in future taxes. It also triggered $4,600 in Medicare surcharges they never saw coming.
The American Retirement Advisor — News & Insights
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Lifestyle & Mindset
Making the Most of Summer Visitors in Retirement
Your visitors, whether family or friends, are what make you...you! Here's how to create memorable experiences together.
Medicare & Healthcare
The Math Most City of Scottsdale Employees Never Run Before They Retire
You've spent 20 years serving the city. But most Scottsdale employees never compare their ASRS group Medicare Advantage plan to what's available on the open market. The numbers surprise almost everyone.
inheritance planning
The Inheritance Plan That Protects Your Kids From Themselves
Your biggest inheritance risk might not be taxes. It might be the people you're leaving it to.
inheritance planning
Getting the Jeep and Your Legacy Ready for the Road Ahead
Just like prepping for a desert adventure, estate planning requires careful preparation before the road gets bumpy.
Retirement Income
The Roth Conversion Window Most Retirees Don't Know Exists
Between retirement and Social Security, there's a window where converting to Roth could save you tens of thousands in taxes. Most people miss it entirely.
Trusted by 14,000+ Families
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“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
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— Gene M., referred client
“This is my first year in Medicare and your input was extremely helpful.”
— Randy B., new client
How It Works
1
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.
2
Build Your Plan
We keep the best of what you already have, replace what can be better, and make sure nothing is falling through the cracks.
3
Review Every Year
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
Three Medicare rumors to ignore this fall
The Annual Enrollment Period opens today, and three claims are making the rounds that are wrong or out of date: a new escape hatch when your doctor leaves, a $2,000 drug cap, and a rule that you must re-enroll every year. What the official sources actually say.
Medicare & Healthcare
Will any Medicare plan pay for long-term care?
As people compare 2027 Medicare plans, the biggest late-life cost is not on any plan summary. Medicare and Medigap do not pay for long-term care. What Medicare does cover runs out fast, what care costs today, and the questions a couple can settle calmly, before either of them needs it.
Medicare & Healthcare
Why can a $0 drug plan still bill you?
Plan shopping starts Thursday, and plenty of plans show a $0 premium. For about 1 in 12 people with Medicare, that is not the whole bill. The income-based Part D surcharge follows you to any plan, so here is how to shop around it instead of into it.
Medicare & Healthcare
What do the extras really cover?
Dental, vision, and hearing are the extras people notice first, and the plan letter rarely shows their limits. On Medicare.gov, the dental flag read 'not specified' for every plan we pulled. Where the real limits live, and why the extras belong last on your list, not first.
Retirement Planning
Discover How Retirees Protect Their Income →
Retirement Income
Can you beat Eddie at this week's quiz?
Eight true-or-false questions from a busy week: charitable giving, the income surcharge on $0 plans, long-term care, three Medicare rumors, and Social Security's 2027 raise. Every answer links back to the article it came from.
Retirement Income
Your 2027 raise is set. What will you keep?
Social Security's 2027 cost-of-living adjustment is 3.6%, about $75 more a month for the average retiree. What lands in your January deposit depends on a few numbers that are not out yet, plus some that are. A short household check before the year ends.
Retirement Income
Giving to charity this year? The rules changed
Starting in 2026, the first slice of every itemizer's charitable giving is no longer deductible, and top-bracket households see their deductions trimmed. If you are 70½ or older, there is a cleaner route straight from your IRA, and it has to happen by December 31.
Retirement Income
The Annual Physical for Your Money
You would not skip your annual physical, and you should not skip your money's either. To close out our week on financial interactions, here is what actually happens in a real annual review, piece by piece, and the moment from one of ours that I would put up against any product pitch in the country.
Inheritance Planning
Learn How Families Preserve Their Legacy →
Lifestyle & Mindset
Is an estate plan from 2004 still a plan? Fiscal Fridays Episode 8 answers that and three more, now on YouTube.
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
inheritance planning
How to Split the House and the Heirlooms Without a Family War
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.
inheritance planning
How to Ask Your Parents If They've Actually Planned Anything
Asking your parents about their estate feels like reaching for the inheritance. It isn't. It's making sure the plan they built still does what they wanted. Here are the words that open it gently.
inheritance planning
How to Give the Grandkids Money Now, and Watch It Matter
The money you give while you are alive to watch it land is worth more than the same money left behind. Here is how to do it without stepping on the parents or spoiling the kids.