Lifestyle & Mindset
Staying Safe in Arizona's Summer Heat
Here in Arizona, we're dealing with record-breaking summer heat. Here are my reminders for staying safe while making the most of these hot months.
The American Retirement Advisor — News & Insights
Latest
Lifestyle & Mindset
Here to Help: Why Personal Service Still Matters in Retirement Planning
Remember when businesses knew your name and answered phones in three rings? That kind of customer service isn't dead in retirement planning.
Medicare & Healthcare
I'll Have What He's Having: Why Medicare Plan Shopping Isn't One-Size-Fits-All
Choosing a Medicare plan based on a TV commercial or what your neighbor has isn't the best strategy. Here's why your Medicare decision should be uniquely yours.
Success Stories
Success Story: How Rich & Rachael Escaped Medicare Confusion
Rich and Rachael were drowning in Medicare misinformation from friends and family until they attended our workshop and discovered the truth.
Lifestyle & Mindset
Real Estate in Retirement: Stay in Your Home with Financial Help
Not all retirees want to sell or move. Here are programs that help seniors over 65 afford staying in their homes through property tax relief, repair assistance, and loan forgiveness.
Medicare & Healthcare
Medicare@Work - Thinking about Unretiring?
Thinking about going back to work while on Medicare? You're not alone - and you have options for managing your coverage.
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
The Social Security Tax Surprise: How Much of Your Benefit Is Taxable
Most retirees are surprised to learn their own Social Security can be taxed, and that up to 85 percent of the benefit can land in their taxable income. Here is how it works, and the new-law confusion to clear up. Part four of The Gap Years.
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.
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.