Retirement Income
Financial Tip: The Benefits of Consolidating Your Investments
Consolidating your investments to one advisory firm offers several benefits, including a single point of contact and simplified financial management.
The American Retirement Advisor — News & Insights
Latest
Lifestyle & Mindset
Sitting Disease: The Hidden Health Risk for Retirees
Yes, sitting disease is a real condition that can shorten your life and increase dementia risk. Here's how to manage it with simple movement throughout your day.
Medicare & Healthcare
Change! Change! Change! Why Medicare Plans Never Stay the Same
From airline check-ins to Medicare plans, everything changes constantly. Here's why you need to review your Medicare coverage every single year.
Retirement Income
Take Advantage of Year-End Tax Planning Opportunities
Another year is coming to an end. Take advantage of the upcoming months to review the financial opportunities you can benefit from that the year-end provides.
Lifestyle & Mindset
Ahhh Fall! Seasonal Reflections and Community Spirit
As fall arrives with cooler weather and Halloween candy, it's time to appreciate the changing seasons and consider helping our local food banks.
Medicare & Healthcare
Short on Medicare Work Credits? Here's What You Can Do
Don't have enough work credits for premium-free Medicare Part A? You still have options to get hospital coverage at 65.
Trusted by 14,000+ Families
“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
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
Your Medicare Options After Annual Enrollment Period Ends
Missed Medicare's December 7th deadline? There's good news: additional opportunities exist depending on your coverage type.
Medicare & Healthcare
Keep Your Blood Pressure in Check This Winter
When the temperature drops, your blood vessels tighten up to keep you warm - but that also means your blood pressure can rise.
Medicare & Healthcare
November Reflections: Medicare Changes and Growing Families
The leaves are turning, families are growing, and Medicare plans are evolving. A perfect time to pause, reflect, and plan ahead.
Medicare & Healthcare
Medicare: A personal journey of insight and advocacy
Five years ago, I became eligible for Medicare. Having helped others navigate it for years, I thought I knew it all. But experiencing it firsthand gave me a whole new perspective.
Retirement Planning
Discover How Retirees Protect Their Income →
Retirement Income
Meet IRMAA: The Medicare Surcharge With a Two-Year Memory
IRMAA is the Income-Related Monthly Adjustment Amount, a surcharge that raises your Medicare premium based on income from two years ago. Here is how it works, and how a smart year can quietly trigger it. Part three of The Gap Years.
Retirement Income
Investment Scams: 'They guaranteed a quick return.' There's no such thing.
If someone tells you that something is guaranteed to pay off quickly, grab your wallet and head in the other direction.
Retirement Income
Filling the Bracket: The Roth Conversion Window Before Age 73
During the gap years your tax bracket has room in it. A Roth conversion lets you fill that room on purpose, paying tax at today's low rate instead of tomorrow's forced one. Part two of The Gap Years.
Retirement Income
The Gap Years: Often the Lowest-Tax Window of Your Life
The years between your last paycheck and age 73 are often the lowest-tax stretch you will ever see. Most retirees coast through and pay for it later. Part one of The Gap Years.
Inheritance Planning
Learn How Families Preserve Their Legacy →
inheritance planning
The Family Bank: Setting Up the Next Generation While It's Cheap
A policy on a young child or grandchild can lock in lifelong insurability and quietly build a pool the next generation can borrow against. Here is how the family bank works, and the honest catch. The finale of More Than a Death Benefit.
inheritance planning
Your Own Life Insurance Could Be Adding to Your Tax Bill
A life insurance policy you own is counted in your taxable estate, which can quietly add to the very tax bill you hoped to cover. A special kind of trust is the fix. Part six of More Than a Death Benefit.
inheritance planning
The Nine-Month Problem That Forces Families to Sell What They Love
When a large estate owes federal tax, the bill is due in cash within nine months, and the extension to file is not an extension to pay. Here is how life insurance keeps families from a fire sale. Part five of More Than a Death Benefit.
inheritance planning
A Christmas Gift Beyond Measure: Estate Planning for Your Family
Margaret gave her family something that couldn't be wrapped—complete estate organization that would spare them stress and confusion when she's gone.