Retirement Income
Financial Tip: Using Installment Sales to Avoid Medicare IRMAA Surcharges
There's a sinister Medicare surcharge called IRMAA that hits when you sell appreciated assets. But there's a legal way around it.
The American Retirement Advisor — News & Insights
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Lifestyle & Mindset
Why Am I Me? How Missed Opportunities Shape Who We Become
We've all had those woulda, shoulda, coulda moments. But those missed opportunities, good or bad, have made you...you!
Lifestyle & Mindset
Turkey Time! How Thanksgiving Became America's Feast
From George Washington's first Day of Thanks to Lincoln's national holiday, discover how turkey became the star of America's Thanksgiving table.
Success Stories
Success Story: How Sarah Unlocked $200K From Her Variable Annuity
Meet Sarah, a lively young grandmother who discovered she could keep her $2,700 monthly income while freeing up $200,000 for other dreams.
Medicare & Healthcare
Medicare@Work: Conquering the Medicare Maze
Just like getting lost in a corn maze can be strangely fun, Medicare doesn't have to be scary when you have the right guide.
Medicare & Healthcare
Medicare Moment: Moving? You May Need to Do Something
Many clients have moved throughout the year but never notified us, and their Medicare plans were never reviewed and adjusted to reflect their new area.
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
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 an advisor answer in 30 seconds?
On Fiscal Fridays, David reads a real family's question off a card and an advisor gets thirty seconds to answer it, out loud, with a buzzer and a spray bottle standing by. We tried five practice rounds ourselves. Here is how close we got.
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.
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.