What the heck has happened to manners? Growing up in the Deep South taught me the value of respect and civility that seems to be disappearing from our society.
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.
Remember when businesses knew your name and answered phones in three rings? That kind of customer service isn't dead in retirement planning.
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.
Rich and Rachael were drowning in Medicare misinformation from friends and family until they attended our workshop and discovered the truth.
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.
“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
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.
We keep the best of what you already have, replace what can be better, and make sure nothing is falling through the cracks.
As life changes, so should your plan. We lock in an annual review to make sure everything is still working for you.
Every copay on a 2027 plan card was decided months ago, inside a bid that went to Medicare in June. How the bid, the benchmark, and the rebate work, why a dollar can only go one place, and the secret guest at Fiscal Fridays on October 23 who has spent his career inside the health insurance business.
The Annual Enrollment Period opens today, and three claims are making the rounds that are wrong or out of date: a new escape hatch when your doctor leaves, a $2,000 drug cap, and a rule that you must re-enroll every year.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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
