The American Retirement Advisor

My Mother-in-Law Has Never Been Busier. My Father-in-Law Still Works. Which One Is Doing Retirement Right?

Sat, 18 Jul 2026 08:22:10 -0700

A summer morning in Maine with my wife's parents settled a question our advisors hear every week: when is the right time to retire? The answer is that there is no single right time. There is only the one you plan for, and then actually make happen.

Read the full article: https://news.americanretirementadvisors.com/doing-retirement-right/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email support@americanretire.com, or visit https://americanretirementadvisors.com.

The Gift of a Plan: What the Luckiest Heirs All Have in Common

Fri, 17 Jul 2026 07:00:00 -0700

The finale of our week on the receiving end of inheritance. After the IRA, the house, and the folder, one pattern is left standing: the inheritances that change lives are never the biggest ones. They are the planned ones.

Read the full article: https://news.americanretirementadvisors.com/wtki-the-gift-of-a-plan/

The Folder: What Your Kids Will Need to Find in the First Thirty Days

Thu, 16 Jul 2026 07:00:00 -0700

Someday your family will open a folder. What they find inside is up to you. Day four of our series: the first thirty days from your kids' side of the table, and the program we built at ARA so that month arrives organized instead of overwhelming.

Read the full article: https://news.americanretirementadvisors.com/wtki-the-folder/

The House They Grew Up In: What Really Happens When Kids Inherit Property

Wed, 15 Jul 2026 07:00:00 -0700

Day three of our series from the heir's side of the table. The quiet tax gift buried in an inherited home, the twenty-minute deed that skips the courthouse, why Arizona and Nevada families get an advantage most articles never mention, and the three-siblings-one-house problem.

Read the full article: https://news.americanretirementadvisors.com/wtki-the-house-they-grew-up-in/

The Ten-Year Tax Bomb: What Your IRA Looks Like From Your Kids' Side

Tue, 14 Jul 2026 07:00:00 -0700

Your IRA statement says $900,000. Your kids will not inherit $900,000. Day two of our series sits in their chair for the one conversation that can change the number: the ten-year rule, their tax bracket, and the moves that only work while you are here.

Read the full article: https://news.americanretirementadvisors.com/wtki-the-ten-year-tax-bomb/

The Call Your Kids Will Get: Inheritance From the Other Side of the Table

Mon, 13 Jul 2026 07:00:00 -0700

You spent forty years building it. It will land in your kids' lap during the most expensive decade of their lives. This week we sit in their chair, because the best inheritance plans are designed from the receiving end.

Read the full article: https://news.americanretirementadvisors.com/wtki-the-call-your-kids-will-get/

The Lobster Roll Trail, Part 2: Cash Only in Harpswell, Sunrise on Cadillac Mountain

Sun, 12 Jul 2026 07:00:00 -0700

Part 2 of our weekend break from the serious stuff. A no-mayo roll at the end of a peninsula where they only take cash, a bench in Camden harbor where the masts sing, and a 3:30 AM alarm on Cadillac Mountain. Plus the question this whole trip is really about: what was all the saving for?

Read the full article: https://news.americanretirementadvisors.com/lobster-roll-trail-part-2/

The Lobster Roll Trail, Part 1: Plum Island to Kennebunkport

Sat, 11 Jul 2026 07:00:00 -0700

We spent all week on The Widow's Penalty, and it was heavy for a reason. This weekend we are taking a break and doing something fun: a two-day road trip up the New England coast, one lobster roll at a time. Part 1 runs from a comeback-story shack on the Plum Island Turnpike to a round bun on a bridge in Kennebunkport.

Read the full article: https://news.americanretirementadvisors.com/lobster-roll-trail-part-1/

What to Do Financially When Your Spouse Dies: The First 90 Days

Fri, 10 Jul 2026 07:00:00 -0700

She started over from zero and built a seven-figure retirement on her own. Most survivors never need to do that, because most of what goes wrong in the year after a loss is preventable with a calm list and the right order. The finale of The Widow's Penalty: the first 90 days, what can wait, and what cannot.

Read the full article: https://news.americanretirementadvisors.com/what-to-do-financially-when-spouse-dies/

Inherited IRA Rules, Step-Up in Basis, and What Your Kids Actually Receive When Everything Passes to Them

Thu, 09 Jul 2026 07:00:00 -0700

Seven rental properties, one grieving widow, and no structure holding any of it. Part four of The Widow's Penalty is about the handoff: the inherited IRA rules that changed for your children, the tax break Arizona and Nevada families get that most of the country does not, and the refinance paperwork that quietly undid some very good estate plans.

Read the full article: https://news.americanretirementadvisors.com/inherited-ira-rules-step-up-basis-what-kids-inherit/

Widowed at 75: How to Appeal a Medicare IRMAA Surcharge After the Death of a Spouse

Wed, 08 Jul 2026 07:00:00 -0700

Two years after a loss, a letter from Social Security can raise a widow's Medicare premium based on income from a life that no longer exists. There is a one-page form built for exactly this moment, and most people have never heard its name. Part three of The Widow's Penalty: the surcharge with a two-year memory, and what it takes to fix it.

Read the full article: https://news.americanretirementadvisors.com/irmaa-appeal-death-of-spouse-ssa-44/

Widowed in Your 60s: The Qualifying Surviving Spouse Tax Status and the Social Security Choice Almost Everyone Gets to Make

Tue, 07 Jul 2026 07:00:00 -0700

The sixties are when the widow's penalty does most of its quiet work. A tax filing status with a two-year clock. A first April filing alone. And a Social Security decision with two checks on the table, where the order you claim them in can be worth tens of thousands of dollars. Part two of The Widow's Penalty.

Read the full article: https://news.americanretirementadvisors.com/qualifying-surviving-spouse-tax-filing-status/

Widowed at 55: What Happens to Social Security, Health Coverage, and the Plan You Built Together

Mon, 06 Jul 2026 07:00:00 -0700

Losing a spouse in your fifties comes with a rulebook most people never open until they need it. Survivor benefits that cannot start until 60. A remarriage rule with a hard birthday attached. A ten-year wait for Medicare. This week we walk the ages of widowhood, and we start with the hardest decade.

Read the full article: https://news.americanretirementadvisors.com/social-security-survivor-benefits-widowed-at-55/

Passing On the House: Step-Up in Basis, Gifting Rules, and the Estate Tax Most Families Will Not Pay

Sun, 05 Jul 2026 07:00:00 -0700

Give the kids the house now, or leave it to them later? The tax code treats those two acts completely differently, and the difference can be worth six figures. The finale of The Fourth Color: step-up in basis, the gifting rules that surprise most families, and the estate tax fear most families can retire.

Read the full article: https://news.americanretirementadvisors.com/step-up-in-basis-gifting-house/

The Tax Bill Hiding in Your House: Capital Gains on a Home Sale After 65

Sat, 04 Jul 2026 07:00:00 -0700

Many sellers still believe there is a special capital gains break once you turn 65. There is not, and the rule that replaced it has not grown in almost thirty years while home values have. Part two of The Fourth Color: what the sale really costs, and the Medicare surprise that follows it.

Read the full article: https://news.americanretirementadvisors.com/capital-gains-home-sale-over-65/

The Fourth Color: When Real Estate Is Part of Your Retirement Income

Fri, 03 Jul 2026 07:00:00 -0700

Green, yellow, red. For years those three colors of money covered nearly everything. But for more retirees than ever, the biggest asset on the balance sheet is a house or a rental, and it plays by its own rules. Part one of a new three-part series.

Read the full article: https://news.americanretirementadvisors.com/rental-income-in-retirement-fourth-color/

Putting It All Together: A Tax-Smart Way to Draw Your Retirement Paycheck

Thu, 02 Jul 2026 07:00:00 -0700

The window, the conversions, IRMAA, the Social Security surprise: they all run on one number, your taxable income. Here is how to pull them into a single plan, and the one reason couples should not wait. The finale of The Gap Years.

Read the full article: https://news.americanretirementadvisors.com/tax-efficient-withdrawal-strategy-retirement/

The Social Security Tax Surprise: How Much of Your Benefit Is Taxable

Wed, 01 Jul 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/do-you-pay-taxes-on-social-security/

Meet IRMAA: The Medicare Surcharge With a Two-Year Memory

Tue, 30 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/what-is-irmaa-medicare-surcharge/

Filling the Bracket: The Roth Conversion Window Before Age 73

Mon, 29 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/roth-conversion-before-73/

The Gap Years: Often the Lowest-Tax Window of Your Life

Sun, 28 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/the-gap-years-lowest-tax-window-retirement/

The Family Bank: Setting Up the Next Generation While It's Cheap

Sat, 27 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/whole-life-insurance-for-grandchildren/

Your Own Life Insurance Could Be Adding to Your Tax Bill

Fri, 26 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/irrevocable-life-insurance-trust-explained/

The Nine-Month Problem That Forces Families to Sell What They Love

Thu, 25 Jun 2026 07:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/life-insurance-to-pay-estate-tax/

The Tax-Free Bucket Most Retirees Are Missing

Wed, 24 Jun 2026 07:00:00 -0700

Most people retire with nearly all their savings in accounts the government still gets to tax. Life insurance can quietly build a third bucket that it does not. Part four of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/using-life-insurance-for-tax-free-retirement-income/

The Policy That Helps You While You're Alive

Tue, 23 Jun 2026 07:00:00 -0700

Almost 70 percent of people turning 65 will need long-term care, and Medicare will not cover most of it. Some life insurance can step in while you are still living. Part three of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/life-insurance-with-long-term-care-benefits/

Be Your Own Bank: The Cash Value Most People Never Touch

Mon, 22 Jun 2026 07:00:00 -0700

Some life insurance quietly builds a pool of money you can borrow against, tax-advantaged, for anything you want. Here is how cash value actually works, and the honest truth about whether it is worth it. Part two of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/cash-value-life-insurance-explained/

The Inheritance That Has Nothing to Do With Money

Sun, 21 Jun 2026 11:12:23 -0700

A Father's Day reflection on the most valuable thing my dad ever gave me, which was never going to show up on any account statement.

Read the full article: https://news.americanretirementadvisors.com/fathers-day-the-real-inheritance/

Do I Need Life Insurance in Retirement? (An Honest Answer)

Sat, 20 Jun 2026 07:00:00 -0700

The honest answer is: it depends on the job you need it to do, and for some people it is no. Here is how to tell which side you are on. The first in our series, More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/do-i-need-life-insurance-in-retirement/

Build the Team Before You Need It

Fri, 19 Jun 2026 07:00:00 -0700

The worst time to assemble a coordinated team is in the middle of a crisis. The best time is now, while everything is calm. The finale of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/build-your-financial-team-before-you-need-it/

Giving While You're Alive to Watch It

Thu, 18 Jun 2026 07:00:00 -0700

Most wealth passes at death, when heirs are in their sixties and need it least. There is a strong case, and some surprisingly generous tax rules, for giving while you are here to see what it does. Part six of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/giving-children-inheritance-while-alive/

Layering a Windfall Onto an Already-Full Plan

Wed, 17 Jun 2026 07:00:00 -0700

When you already have enough, an inheritance is not really about security anymore. It is about purpose. Here is how to think about deploying a windfall when your plan is already full. Part five of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/what-to-do-with-a-windfall-when-you-already-have-enough/

The Tax Bill Hiding in a Good Year

Tue, 16 Jun 2026 07:00:00 -0700

A single big-income year, from an inheritance, a sale, or a large withdrawal, can quietly trigger four different taxes at once and raise your Medicare premiums two years later. Part four of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/how-a-windfall-affects-taxes-and-medicare/

When the Problem Isn't Growth, It's Coordination

Mon, 15 Jun 2026 07:00:00 -0700

Once you have enough, the biggest threat to your money is no longer a bad return. It is the gaps between advisors who never talk to each other. Part three of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/coordinated-financial-team-high-net-worth/

The Inheritance You Can See Coming

Sun, 14 Jun 2026 07:00:00 -0700

Most people are blindsided by an inheritance. A lucky few can see it coming, and that window before it arrives is where nearly all the planning value lives. Part two of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/how-to-prepare-for-an-inheritance/

The Hardest Part of Passing On Wealth Isn't the Money

Sat, 13 Jun 2026 07:00:00 -0700

America is in the middle of the largest wealth transfer in history, and the families who keep it are not the ones with the best investments. They are the ones who brought their children to the table early. The first in our Both Ends of the Table series.

Read the full article: https://news.americanretirementadvisors.com/how-to-prepare-children-to-inherit-wealth/

You Just Inherited. Now What? (Start by Doing Nothing.)

Fri, 12 Jun 2026 07:00:00 -0700

The biggest mistake people make with an inheritance is moving too fast. Here is the calm, in-order list, and why the kind of money you inherited changes everything. The finale of Passing It On.

Read the full article: https://news.americanretirementadvisors.com/what-to-do-when-you-inherit-money/

The Conversation No Family Wants to Have First

Thu, 11 Jun 2026 07:00:00 -0700

Most families wait, each side hoping the other brings it up. Here is how to actually start the talk about your parents' plans, from the side that has to go first. Part two of Passing It On.

Read the full article: https://news.americanretirementadvisors.com/how-to-talk-to-parents-about-estate-planning/

You Have a Will. So You're Covered, Right?

Wed, 10 Jun 2026 07:00:00 -0700

A will is the floor, not the finish line. Three things it quietly leaves out, and the one part no document can cover. The first in our Passing It On series.

Read the full article: https://news.americanretirementadvisors.com/is-a-will-enough-passing-it-on/

The Roth Conversion Deadline You Were Warned About Just Quietly Disappeared

Tue, 09 Jun 2026 07:00:00 -0700

Everyone said to finish your Roth conversion before tax rates jumped in 2026. Then the 2025 tax law made those rates permanent. Here is what that changes.

Read the full article: https://news.americanretirementadvisors.com/roth-conversion-deadline-disappeared-2026/

The Moment the Power Goes Out

Mon, 08 Jun 2026 09:06:03 -0700

There is a difference between someone telling you it will be okay and someone making you feel okay. You find out which one you have the moment something goes wrong. It is true at a resort, and it is far more true in retirement, the day the market goes dark.

Read the full article: https://news.americanretirementadvisors.com/no-power-moment-taken-care-of/

The Life Insurance You Bought at 35 Was Built for a Different Job

Sun, 07 Jun 2026 07:36:05 -0700

Most people argue about whether they need life insurance. That is the wrong question. The right one is what job you need it to do right now, because the answer changes three times over your life, and the policy that was perfect at 35 is often the wrong tool at 65.

Read the full article: https://news.americanretirementadvisors.com/life-insurance-evolution-right-tool-right-job/

3 Questions You're Afraid to Ask Your Financial Advisor (And Why You Should)

Sat, 06 Jun 2026 05:20:42 -0700

There are a few questions almost nobody asks their advisor. They feel awkward, or a little too close to the bone, or like you are afraid of the answer. But they are the ones that separate a real plan from a nice relationship, and the difference between an advisor who manages your money and one who actually knows you.

Read the full article: https://news.americanretirementadvisors.com/3-questions-afraid-to-ask-financial-advisor/

Take the Trip. This Is What You Prepared For.

Fri, 05 Jun 2026 07:34:43 -0700

The point of a retirement plan was never the spreadsheet. It was the freedom to get on the plane without a knot in your stomach. Here is how preparing, protecting, and preserving what you built is exactly what gives you permission to go.

Read the full article: https://news.americanretirementadvisors.com/take-the-trip-retirement-travel-three-ps/

Your First RMD Could Quietly Raise Your Medicare Premium Two Years Later

Thu, 04 Jun 2026 16:22:10 -0700

Most people treat their first required minimum distribution as a math problem. Take the number, pay the tax, move on. But that withdrawal can echo forward and raise your Medicare premium by thousands a year, and almost nobody sees it coming.

Read the full article: https://news.americanretirementadvisors.com/first-rmd-medicare-irmaa-surcharge/

You Can Always Make More Money. You Can't Make More Time.

Wed, 03 Jun 2026 07:30:00 -0700

Call it morbid, call it market research. In nearly every memoir and late-in-life interview, people say a version of the same thing: I wish I hadn't waited. Here is why we don't just build income plans.

Read the full article: https://news.americanretirementadvisors.com/cant-make-more-time-plan-for-real-life/

6 Problems With Dave Ramsey's Social Security Advice

Tue, 02 Jun 2026 07:02:46 -0700

Dave Ramsey says claim Social Security at 62 and invest every check. That's right for some retirees and quietly costs others tens of thousands. Here's how to tell which one you are.

Read the full article: https://news.americanretirementadvisors.com/dave-ramsey-social-security-advice-problems/

Why the Rules of a Secure Retirement Haven't Changed in 100 Years

Mon, 01 Jun 2026 10:00:00 -0700

New products. New rules. New headlines. But the fundamentals of a secure retirement have not moved in 100 years, and this episode brings the receipts.

It starts with a single name Ian heard in passing on an old Zig Ziglar tape, Elmer Wheeler, the man who ran a word laboratory in 1937 testing what makes people say yes. That thread leads to a simple truth: people are moved by the same things their great grandparents were, and the wrapper on retirement advice keeps changing while the basics never do.

The historical receipts you will hear:

1653: Lorenzo de Tonti proposes the tontine, an early answer to the fear of outliving your money.
1758: Benjamin Franklin warns in The Way to Wealth, save while you may.
1896: Prudential sells safety with the strength of Gibraltar.
1926: George Clason turns pay yourself first into a book, after it began as bank pamphlets.
1935: FDR signs Social Security and names the oldest fear out loud, a poverty ridden old age.

The takeaway is a filter for every shiny new pitch: does this serve a timeless fundamental, or just dress up an old fear in new clothes? Anchor to three jobs for your money, safe and liquid, guaranteed income, and invested for growth, and you can let the rest of the noise float right on by.

Read the full article: https://news.americanretirementadvisors.com/retirement-fundamentals-havent-changed-100-years/

This episode is for educational purposes only. American Retirement Advisors does not provide tax or legal advice. Please consult a qualified professional before making decisions. Want to reach out? Text us at (602) 281-3898, email support@americanretire.com, or visit americanretirementadvisors.com.

Do You Actually Need Life Insurance in Retirement?

Sun, 31 May 2026 07:00:00 -0700

Some retirees absolutely need it. Some are paying for something they don't. Part 3 of our life insurance series covers the decision framework, life settlements, and the IRMAA connection most advisors miss.

Life Insurance Types: A Plain English Guide for Retirees

Sat, 30 May 2026 07:30:00 -0700

Term, whole, universal, indexed, guaranteed, final expense. Six products, six different purposes. Part 2 of our life insurance series breaks down what each one actually does, who it's designed for, and the red flags that matter.

Fiscal Fridays Episode 2: Things You Thought Were Protecting Your Family

Fri, 29 May 2026 07:00:00 -0700

A mom in a nursing home, an annuity that won't pay out, a timeshare that cost thousands and sold for zero, and a CD that was never designed for you. Episode 2 of Fiscal Fridays with David Schaeffer and Jason Tweet.

Why Your Medicare Agent Is About to Call You About Life Insurance

Thu, 28 May 2026 10:00:00 -0700

I'm watching it happen in real time from a conference floor in Dallas. Thousands of healthcare agents are adding life insurance to their playbook. Here's what that means for you.

Read the full article: https://news.americanretirementadvisors.com/why-your-medicare-agent-is-about-to-call-you-about-life-insurance/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 975-0372, email support@americanretire.com, or visit https://americanretirementadvisors.com.

The Unfair Advantage You Already Paid For

Wed, 27 May 2026 03:58:45 -0700

I was sitting in an airport lounge flipping through a magazine when a headline stopped me cold. 'The biggest advantage is control and certainty.' I put down my coffee. That's what we do.

Read the full article: https://news.americanretirementadvisors.com/the-unfair-advantage-you-already-paid-for/

The Stories We Lose When We Don't Talk About the Money

Tue, 26 May 2026 11:04:15 -0700

Grammy puts butter on her pancakes. A four-year-old asks why. Ian Schaeffer explores how the small family stories we forget to share are connected to the inheritance conversations we forget to have — and what happens when both disappear.

Grammy Flew to Boston. Her Retirement Plan Said Yes.

Mon, 25 May 2026 07:30:36 -0700

Ian Schaeffer shares the real story of his mother surprising her grandkids at The Langham hotel in Boston on Memorial Day weekend — and what it taught him about retirement travel budgets, permission to spend, and why the best income plans make room for joy.

The Lights Are On, the Cameras Are Rolling, and We Are Doing This Again

Fri, 22 May 2026 06:41:19 -0700

Episode 2 of Fiscal Fridays tapes today. Real clients, real questions, a live audience, and a new face at the table. Here's what's happening behind the scenes.

Read the full article: https://news.americanretirementadvisors.com/fiscal-friday-episode-2-tonight/

Your Monthly Budget Is Probably Wrong. Here's How to Fix It.

Thu, 21 May 2026 06:06:10 -0700

Most people guess what they spend each month. We don't guess. We pull the statements, go page by page, and do the math. What we find almost always surprises people.

Read the full article: https://news.americanretirementadvisors.com/inspect-what-you-expect/

You Already Won. You Just Forgot.

Wed, 20 May 2026 18:44:23 -0700

You saved for 30 years, did everything right, and now you're afraid to spend any of it. A quarter-point rate move ruins your Tuesday. Here's why the worry is the problem, not the money.

Read the full article: https://news.americanretirementadvisors.com/you-already-won-you-just-forgot/

How to Talk to Your Parents About Inheritance (Before It's Too Late)

Tue, 19 May 2026 06:53:00 -0700

It's not about the money. It's about making sure the burden doesn't fall on whoever's left.

Read the full article: https://news.americanretirementadvisors.com/how-to-talk-to-parents-about-inheritance/

3,672 People Already Made This Decision. Here's What They Said.

Mon, 18 May 2026 07:16:36 -0700

Choosing who to trust with your retirement is one of the hardest decisions you'll make. We built a site where you can hear from thousands of people who already made it.

Read the full article: https://news.americanretirementadvisors.com/3672-reviews-what-clients-said/

Visit the review site: americanretirementadvisorsreviews.com

You Have Enough Money to Retire. So Why Can't You Pull the Trigger?

Fri, 15 May 2026 07:00:00 -0700

They had more than enough saved. But they couldn't bring themselves to spend it. What they actually needed wasn't more money. It was a plan.

Read the full article: https://news.americanretirementadvisors.com/enough-money-afraid-to-spend-it/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning.

We've Got $1.1 Million, but Our Advisor Never Talks About Any of This

Thu, 14 May 2026 07:00:00 -0700

A wife wrote in to our live show with a question that stopped the room. Her advisor of 15 years had been brushing off every question that actually mattered.

Read the full article: https://news.americanretirementadvisors.com/1-million-but-advisor-never-talks-about-this/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning.

My Father Made a Huge Mistake With His CDs

Wed, 13 May 2026 06:00:00 -0700

On our live show, my father admitted something most advisors would never say out loud. His accountant screamed at him. Here's what he got wrong.

Read the full article: https://news.americanretirementadvisors.com/my-father-made-a-huge-mistake-with-his-cds/

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning.

3 Medicare Gaps That Catch Retirees Off Guard

Tue, 12 May 2026 06:00:00 -0700

Medicare doesn't cover dental, vision, or the income surcharge most retirees don't see coming. Here's how to fill the gaps.

Read the full article: https://news.americanretirementadvisors.com/medicare-gaps-dental-vision-irmaa/

He Had $500K at Vanguard and Thought He Was Fine

Mon, 11 May 2026 06:24:31 -0700

A caller on our live show said he had it all figured out. Then my father did what he does best. Here's what I watched happen.

Read the full article: https://news.americanretirementadvisors.com/500k-at-vanguard-thought-he-was-fine/

The Hidden Cost of Medicare Plan Loyalty

Fri, 08 May 2026 12:51:23 -0700

Your Medicare supplement premium went up. Before you just pay it, do the math on what loyalty is really costing you.

Read the full article: https://news.americanretirementadvisors.com/hidden-cost-medicare-plan-loyalty/

Fiscal Fridays Is Here: A Live Retirement Show Like Nothing You've Seen Before

Thu, 07 May 2026 13:13:55 -0700

Tomorrow morning at 10:30 AM in Scottsdale, Arizona, we're doing something we've never done before: launching a live retirement show called Fiscal Fridays.

David Schaeffer, who founded American Retirement Advisors over 25 years ago, is stepping in front of the cameras with veteran advisor David Edge for the premiere episode. The show features live retirement planning diagnostics, David's "Three Colors of Money" framework, audience Q&A with no screening, and a celebration segment where audience members share personal wins.

In this episode, we talk about how Fiscal Fridays came together, what the dry run taught us, and why being in the room matters more than watching from your couch.

Register for upcoming tapings: news.americanretirementadvisors.com/fiscal-fridays

Read the full article: news.americanretirementadvisors.com/fiscal-fridays-premiere-may-2026

American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Text us at (602) 975-0372, email support@americanretire.com, or visit americanretirementadvisors.com.

How a Roth Conversion Affects Your Social Security Tax and Medicare Premium

Thu, 07 May 2026 07:30:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/roth-conversion-irmaa-medicare-premium/

The Math Most City of Scottsdale Employees Never Run Before They Retire

Wed, 06 May 2026 05:00:00 -0700

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.

Read the full article: https://news.americanretirementadvisors.com/city-of-scottsdale-asrs-vs-medicare-what-employees-miss/

The Inheritance Plan That Protects Your Kids From Themselves

Tue, 05 May 2026 07:30:00 -0700

Love your kids. Trust your kids. And still build a plan that protects them from a windfall they're not ready for.

Read the full article: https://news.americanretirementadvisors.com/inheritance-plan-protects-kids-from-themselves/

The One Page That Overrides Your Entire Will

Mon, 04 May 2026 07:30:00 -0700

Your will doesn't control your largest assets. One page does. And you probably haven't looked at it in years.

Read the full article: news.americanretirementadvisors.com

Visit americanretirementadvisors.com for more.

Is Your Social Security Income Taxable? Here's How to Know

Sun, 03 May 2026 07:30:00 -0700

Up to 85% of your Social Security may be taxable. The thresholds haven't changed since 1993, and more retirees get hit every year.

Read the full article: https://news.americanretirementadvisors.com/is-social-security-income-taxable/

American Retirement Advisors helps families in Arizona and Nevada navigate Medicare, retirement income, and inheritance planning. Call us at (602) 281-3898 or visit https://americanretirementadvisors.com.

Why the Smartest Investors Don't Pick One Strategy

Sat, 02 May 2026 07:30:00 -0700

When markets get rough, the instinct is to pick a side. But the clients who sleep best at night? They split the difference.

Read the full article: https://news.americanretirementadvisors.com/why-smartest-investors-dont-pick-one-strategy/

The Roth Conversion Window Most Retirees Don't Know Exists

Fri, 01 May 2026 08:00:00 -0700

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.

Read the full article: news.americanretirementadvisors.com/roth-conversion-window-before-social-security/

Visit americanretirementadvisors.com for more.

Your Medicare Supplement Rate Went Up Again. Here's What You Can Actually Do About It.

Fri, 01 May 2026 07:30:00 -0700

Rate hikes on your Medicare Supplement don't mean you're stuck. Here's how one couple saved over $2,000 a year without losing their doctors.

Read the full article: https://news.americanretirementadvisors.com/medicare-supplement-rate-increase-what-to-do/

Medicare Doesn't Cover Your Teeth. Here's What Does.

Thu, 30 Apr 2026 07:30:00 -0700

What retirees need to know about dental, vision, and hearing coverage gaps in Medicare.

Read the full article: news.americanretirementadvisors.com

Visit americanretirementadvisors.com for more.

Your Kids Will Inherit Your Money. Are They Ready?

Wed, 29 Apr 2026 09:45:08 -0700

What to do when you love your kids but worry about how they'll handle an inheritance.

Read the full article: news.americanretirementadvisors.com

Visit americanretirementadvisors.com for more.

Medicare Made 123Easy - Updated with new Bonus Chapters!

Sun, 03 Nov 2024 10:00:00 -0700

Come explore this deep dive into our newest book!

S1E70 November 2021 Newsletter Reading of The American Retirement Advisor

Mon, 01 Nov 2021 21:00:00 -0700

Listen to the November 2021 American Retirement Advisor Newsletter as David Edge brings the words to life.

Need a hard copy to Read along?
Here is a link to download the PDF: https://bit.ly/3usAwPK

Workshop Registration:
Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy:
https://www.tfaforms.com/4681262?tfa_1928=65

Retirement Income Planning Made 123Easy: https://www.tfaforms.com/4913814?tfa_1928=65

Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E69 October 2021 Newsletter Reading- The American Retirement Advisor

Fri, 01 Oct 2021 12:00:00 -0700

Listen to the October 2021 American Retirement Advisor Newsletter as David Edge brings the words to life.

In this Month's Reading:
- BOO!
- AEP Tips
- Howl-O-Ween!
- Scary Stuff!
- Blood Pressure Meds and Cognition Studies
- Financial Tip
- More [Medi-care-eez]™️
- Medicare@Work
- Medicare and Moving Madness
- “I Can Help!”

Need a hard copy to Read along?
Here is a link to download the PDF: https://bit.ly/3usAwPK

Workshop Registration:
Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy:
Click here to register

Retirement Income Planning Made 123Easy:
Click here to register

Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E68 What do do with your Medigap during AEP

Mon, 27 Sep 2021 11:00:00 -0700

Medicare’s Annual Election Period (AEP) creates a great opportunity for folks to make changes to their Medicare plans. BUT, what about Medigap/ Medicare Supplement plans?

Can you use AEP to make changes to supplement/medigap plans?
Switching from a Medigap to a Medicare Advantage plan and vice versa?
What about those qualifying medical questions?

Not sure what you can change during AEP?

Adam will go over some helpful details about Medigap/Supplement plans on this week’s episode of 65 and Counting.

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E67 AEP- Time for a Medicare Plan Review

Mon, 20 Sep 2021 17:00:00 -0700

Medicare’s Annual Election Period (AEP) creates a great opportunity for folks to make changes to their Medicare plans.

Will your current plan cover everything you need in 2022?

What changes can you make during AEP?

Losing your doctor? Want to change prescription drug plans?

Adam explains how important it is to have a complimentary plan review EVERY year. Now is the time to schedule your meeting with your advisor to make sure you are getting all the benefits you need.

Adam will go over more about this in this week’s episode of 65 and Counting.

Important information:

Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898

Email Adam: Adam@AmericanRetire.com

S1E66 Medicare Annual Enrollment Period

Tue, 07 Sep 2021 12:00:00 -0700

Every year between Oct. 15 and Dec. 7, you have an opportunity to make changes to your Medicare plan. Why? Because you may not have changed, but your plans may have changed on you! Have you had your Medicare plan review yet? If not, you might be missing out on important opportunities. We can help!

Adam will go over why this plan review is so important every year in this week's episode of 65 and Counting!

Not a client yet?
Schedule your Medicare annual review
by calling: 877-220-1089

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call Adam: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E65 September 2021 Newsletter Reading- The American Retirement Advisor

Wed, 01 Sep 2021 13:00:00 -0700

Listen to the September 2021 American Retirement Advisor Newsletter.

In this Month's Reading:

- AEP Tips!

- Super Good and Getting Better!

- Is it Fall Yet?

- No Bacon for Spot!

- New Furry Friend!

- More [Medi-care-eez]™️

- Medicare@Work

- Financial Tip

- Let’s make Medicare 123Easy for Everyone

- Start. Stop. Start! - Success Story

- Prepare for your Medicare Annual Review!

Need a hard copy to Read along?

Here is a link to download the PDF: https://bit.ly/3t6qC5z

Workshop Registration:

Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy:

https://www.tfaforms.com/4681262?tfa_1928=65

Retirement Income Planning Made 123Easy: https://www.tfaforms.com/4913814?tfa_1928=65

Call to register: 602-281-3898

Email Adam: Adam@AmericanRetire.com

S1E64 Welcome to Medicare Wellness Visit

Mon, 23 Aug 2021 12:00:00 -0700

When you are new to Medicare, you get a welcome wellness gift!
You are welcomed to your plan with a complimentary special preventive visit.

At this visit, your doctor learns all about you! Because knowing all about YOU is essential to keeping you healthy!

Adam will go over more about this in this week’s episode of 65 and Counting.

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E63 August 2021 Success Story

Mon, 16 Aug 2021 18:00:00 -0700

S1E63 Big move out of state?

In this week’s success story, we take a dive into a client's successful move from one state to another while keeping all the same great benefits they grew to know and love with their current Medicare plan!

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E62 Sink Your Teeth into Free Meals!

Mon, 09 Aug 2021 18:00:00 -0700

Just get home from surgery and need help with meals? Some Medicare plans can deliver a tasty solution.

Adam will go over which plans include this helpful benefit in this week’s episode of 65 and Counting.

Important information:

Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898

Email Adam: Adam@AmericanRetire.com

S1E61 August 2021 Newsletter Reading - The American Retirement Advisor

Mon, 02 Aug 2021 20:00:00 -0700

Listen to the August 2021 American Retirement Advisor Newsletter.

In this Month's Reading:
- Commentary is Tough!
- Happy Trails
- Things to Know About the Delta Variant
- A Bear-y Special Kindness
- More [Medi-care-eez]™️
- Medicare@Work
- Financial Tip
- It’s Coming! Don’t Miss the AEP Train!
- Preventative Research - Success Story

Need a hard copy to Read along?
Here is a link to download the PDF: https://bit.ly/3yerZRx

Workshop Registration:
Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy:
https://www.tfaforms.com/4681262?tfa_1928=65

Retirement Income Planning Made 123Easy:
https://www.tfaforms.com/4913814?tfa_1928=65

Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E60 Part B Drug Benefits Explained

Mon, 26 Jul 2021 11:00:00 -0700

Medicare Parts B and D can pay for medications, but how they pay and what they pay for are different. Avoid billing surprises by learning what medications Part B will cover.

What medications are covered under Part B: https://www.medicare.gov/coverage/prescription-drugs-outpatient

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E59 A Free Ride with Medicare?

Mon, 19 Jul 2021 13:00:00 -0700

Planes, trains, or automobiles?
Before you grab a ride, can you ride free with Medicare, and what kinds of free rides will your plans cover? Where exactly can I use my free rides to go?

Adam will go over which plans might include a helpful transportation benefit in this week’s episode of 65 and Counting.

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E58 Switching Med Sups is What’s Up!

Mon, 12 Jul 2021 14:00:00 -0700

S1E58 Switching Med Sups is What’s Up!

In this week’s success story, we turned a frown upside down! We provided solutions when a birthday increased a client's Medicare supplement premium!

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E57 HSAs - Beware Before Medicare

Mon, 05 Jul 2021 13:00:00 -0700

Can I keep contributing “Tax-Free” to my HSA after I go on Medicare?
What about using the money I've saved all those years after my Medicare starts?

We’ve got all those answers and more, this week on 65 and Counting!
We will help you avoid penalties by telling you when to stop contributing.

Stay or Go Analysis™ https://www.tfaforms.com/4688178

Workshop Schedule and Registration: www.123EasyMedicare.com

HSAs.gov link: https://www.irs.gov/forms-pubs/about-publication-969

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E56 July 2021 Newsletter Reading- The American Retirement Advisor

Mon, 28 Jun 2021 12:00:00 -0700

Listen to the July 2021 American Retirement Advisor Newsletter.

In this Month's Reading:
- Summertime Fun Time!
- Our Founding Fathers
- Do You Know What BEFAST Means?
- Science Fiction or Strange Experience?
- More [Medi-care-eez]™️
- A Tiny Cannon
- Retirement and Travel
- COVID-19, Assistance Programs
- Switch from F to G?

Need a hard copy to Read along?
Here is a link to download the PDF: https://bit.ly/3qi2JXy

Workshop Registration:
Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy:
https://www.tfaforms.com/4681262?tfa_1928=65

Retirement Income Planning Made 123Easy: https://www.tfaforms.com/4913814?tfa_1928=65

Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E55 Avoid pesky Part D penalties!

Mon, 21 Jun 2021 10:00:00 -0700

To avoid errors, and rack up wins you need to know where to look - and what to ask.

Everyone benefits from Medicare experts helping plan your Medicare BEFORE you are eligible to enroll- particularly for avoiding penalties that can stick with you for life!

Certified Medicare Planners® will help YOU avoid penalties by telling you what you need.

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E54 Medicare Junk Mail anyone?

Mon, 14 Jun 2021 13:00:00 -0700

Annoyed with all the Medicare mail, ads, and celebrities telling you what Medicare plans are right for YOU or what you are missing? So are we!
Those mailers and TV ads are meant to scare and confuse YOU!

Don't respond to them!
Don't give them any information!

They are sales marketing tactics. Period!

We can teach you how to avoid mistakes and gimmicks and JUNK!

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com

Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E53 [ENCORE] - Sink your teeth into some juicy dental benefits!

Mon, 07 Jun 2021 10:00:00 -0700

This week we are digging into the archives to bring back a very important topic we seem to be getting more and more calls about!

How are you going to keep those pearly whites, pearly white once you're on Medicare? This week host Adam Frye chomps into all of your options for dental coverage after age 65 (and before)! What's the most cost-effective way and comprehensive way to make sure you're teeth get the care they need? There are so many different options! We've helped thousands of people over the years keep their teeth nice and healthy... Listen to this episode to find out how! Don't forget to like the video, follow our page, and share with your friends!

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com
Dental Quotes: www.123easydental.com
Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E52 June 2021 Newsletter Reading

Mon, 31 May 2021 09:00:00 -0700

S1E51 People look to the stars for answers…. But is that how to choose your Medicare?

Mon, 24 May 2021 17:00:00 -0700

There is more to choosing a plan than just how many stars it has.

Besides looking at ratings, plans need to match your needs for doctors, and hospitals too.

Learn about star ratings in this week's 65 and Counting episode.

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3

May 2021 Success Story - Do Couples Have to Share Everything?

Mon, 17 May 2021 15:00:00 -0700

Medicare says you don't have to share with your spouse! Listen to this month's Success Story about a couple that learned why they don't have to have the same Medicare plan and still be blissfully happy.

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

Smart Watches, Vitamins, Water picks, Oh My!!!

Mon, 10 May 2021 11:00:00 -0700

Where do you actually get the OTC Medicare freebies you hear about on TV!? In this episode, Adam will tell you exactly what Advertising you hear means by "free at the pharmacy".

Medicare Supplements Episode: https://open.spotify.com/episode/0VweyZlojBUBREoVBOrc7N?si=iGdDemrrQ_GA9VAF-S1Aug

Fitness Episode: https://youtu.be/IZCTJF3dka4

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

May 2021 Newsletter The American Retirement Advisor 2021 Featuring...Medicare Supplement Rates on the Rise.

Mon, 03 May 2021 16:00:00 -0700

Listen to the May 2021 American Retirement Advisor Newsletter-

Featuring:

- Status Quo!
- What was the best year of your life?
- May Rituals - what are yours?
- Herd Immunity Thoughts
- Mixed Medicare Marriage?
- Medigap Rate Increases
- Medicare Basics Even if You're Not Eligible Yet
- Asset Preservation Crystal Ball?

Want more?
www.123EasyMedicare.com
www.AmericanRetire.com

Direct Line: 602-281-3898
Email: Adam@AmericanRetire.com

Protect and Disconnect!

Mon, 26 Apr 2021 12:00:00 -0700

Don't let scammers intimidate you - just hang up!
Protect your personal info! In this episode, Adam tells you what to do to keep your identity safe when scammers pull out the stops to intimidate you for information.

Report 'em: WWW.SSA.GOV/ANTIFRAUDFACTS

Stop the scammers and just hang up!

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

Dad & Chinese Checkers! Success Story April 2021

Mon, 19 Apr 2021 11:00:00 -0700

This month we helped a client with getting her Dad all the Medicare benefits he was entitled to with one phone call!

We can help you with Medicare so you can help your parents too. In one move!

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

Gym? Health Coach? Free Meals!!? Your Medicare Plan might include all of this and more

Mon, 12 Apr 2021 15:00:00 -0700

This week on 65 and counting we explore the ever-popular "Fitness Benefit" that is included in many Medicare Advantage and Medicare Supplement plans across the country.

We break down the types of benefits, as well as a couple of the major programs you likely already know and love (Silver Sneakers™️ and Silver and Fit™️)

Hope you enjoy the episode!
- Adam Frye

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

S1E44 Poking around the Covid-19 Vaccine...

Mon, 05 Apr 2021 00:00:00 -0700

By now you've probably felt a few pokes from the Covid-19 vaccine, but what exactly is it? And how does Medicare cover it?

Join host Adam Frye on this episode of 65 and Counting as he "pokes around" the vaccine and Medicare in simple terms.

Link to download the Newsletter: https://bit.ly/3b6PDq6

Direct Line: 602-281-3898
Email: Adam@AmericanRetire.com

Sources:
https://www.mayoclinichealthsystem.org/hometownhealth/featured-topic/covid-19-vaccine-myths-debunked
https://www.mayoclinic.org/diseasesconditions/coronavirus/in-depth/coronavirus-vaccine/art20484859
https://www.umassmed.edu/news/newsarchives/2020/12/inside-the-new-mrna-vaccines-for-covid19/
https://nyulangone.org/news/how-mrna-vaccines-preventcovid-19

The American Retirement Advisor April 2021 featuring... Medicare's Dirty Secret

Mon, 29 Mar 2021 12:00:00 -0700

Listen to the April 2021 American Retirement Advisor Newsletter.

Featuring:

- Medicare's Dirty Insolvency Secret no one is talking about.
- How to Get to a Yes!
- Welcoming Spring!
- Life after the Vaccine.
- Sweating the Small Stuff!
- Social Security Tips
- Medicare Planning for Employers
- Helping Parents with Medicare Success Story

Want more?
www.123EasyMedicare.com
www.AmericanRetire.com

Direct Line: 602-281-3898
Email: Adam@AmericanRetire.com

S1E42 - Long Term Care insurance... What is it? Who Needs it? And why?

Mon, 22 Mar 2021 09:00:00 -0700

Without proper planning, the costs and decisions will fall on your loved ones...

In this week's episode, we tune into a conversation between our top Advisors at American Retirement Advisors. These experts share their thoughts about Long Term Care Insurance, long-term planning, and hurdles many folks have faced in the past. Most importantly they share their solutions and guidance.

Planning costs you nothing but a little time... Don't wait until it is too late.

Have a story about Long Term Care you want to see published?
Send it over! - adam@ara123.com

Get in touch:
Email: Adam@americanretire.com
Direct Phone: 602-281-3898
National Helpline: 877-220-1089

Online at:
65andCounting.com

More Videos:
https://www.youtube.com/channel/UCRwjXCIvBwDi7bnUK_N1JWg

Audio Only Episodes:

Apple:
https://podcasts.apple.com/us/podcast/65-and-counting/id1517667295?uo=4

Spotify: https://open.spotify.com/show/2pPoCkuqCJ0SbIDamFuHMP

Google:
https://www.google.com/podcasts?feed=aHR0cHM6Ly9mZWVkcy5idXp6c3Byb3V0LmNvbS8xMTQ4MzA2LnJzcw%3D%3D

Are you prepared for the unexpected? - March 2021 Success Story

Mon, 15 Mar 2021 10:00:00 -0700

Are you prepared for unexpected long-term medical care and expenses? Do you want to avoid putting a financial burden on loved ones for your care?
Our success story will show you how our Advisors can help you with both providing options and planning so you can be prepared for the unexpected.

Need a hard copy of the March Newsletter to see the Success Story Article?
Here is a link to download the PDF: https://bit.ly/3b6PDq6

Workshop Registration:
Full schedule at: www.123EasyMedicare.com

Social Security Made 123Easy: https://attendee.gotowebinar.com/register/4271896656619192845?source=65

Retirement Income Planning Made 123Easy: https://attendee.gotowebinar.com/register/382291809989531917?source=65

Call to register: 877-220-1089
Email Adam: Adam@AmericanRetire.com

S1E40 Sneak peek at our EXCLUSIVE new video series.

Mon, 08 Mar 2021 12:00:00 -0700

On-the-spot answers- from our Advisors (including the David's you know and love) giving you answers to help you get the most out of your Medicare plans!

Should you use GoodRx with Medicare? See what the experts say.

More Important Helpful Links:

Check out the Medicare Moment (blog)
https://123easymedicare.com/the-medicare-moment/

Find the Medicare Moment:
Subscribe now!
https://www.youtube.com/c/123easymedicare/

Call us: 1-877 -220-1089

[🎙NEWSLETTER] - March 2021 The American Retirement Advisor

Mon, 01 Mar 2021 09:00:00 -0700

Listen to the March 2021 American Retirement Advisor Newsletter.

In this Months Reading:
- Feelings or Facts?
- March On!
- COVID Depression...
- Why am I Me?
- Financial Tip
- Medicare@Work
- COVID-19 Vaccine, what is it and how does it work?
- Costs to much!

Need a hard copy to Read along?
Here is a link to download the PDF: https://bit.ly/3b6PDq6

Workshop Registration:
Full schedule on: www.123EasyMedicare.com

Social Security Made 123Easy: https://attendee.gotowebinar.com/register/4271896656619192845?source=65

Retirement Income Planning Made 123Easy: https://attendee.gotowebinar.com/register/382291809989531917?source=65

Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1E38 What happens when you lose your social security card or worse it is stolen?

Mon, 22 Feb 2021 13:00:00 -0700

What happens when you lose your social security card or worse it is stolen? In this Success Story episode, we walk you through how to get your card replaced.

For stress-free guidance, call our office at 877-220-1089 we can help!

S1E37 Traveling with Medicare!

Mon, 15 Feb 2021 11:00:00 -0700

In today's episode, Adam talks about how Medicare works when you are traveling. This is one of the most popular questions in our workshops too! Find out what is covered from Tucson to Tokyo so your travel is not interrupted with worry about coverage. Do you need more coverage than what Medicare offers? Tune in to find out.

S1E36 Client Care Success Stories with Adam

Mon, 08 Feb 2021 14:00:00 -0700

Today we are sharing some actual client care call stories with happy solutions. From insurance card confusion for obtaining medication, surprise rate increases, and confusion about IRMAA surcharges. Whether you are a client or not, answers are just a call away. Our Medicare Client Care Team is...Here to Help!

S1E35 The American Retirement Advisor February 2021

Mon, 01 Feb 2021 12:00:00 -0700

In this issue of the newsletter, join in our optimism for the coming year, ooh la la...how about an International idea for expressing your love on Valentine's day, is sitting too much affecting your health, what do you do in the dark without a flashlight and a bull, medical costs should be included in your financial planning, do your HR partners need Medicare superpowers, when your provider leaves your plan and you're holding the bill, a stolen wallet nightmare, and our client care team is always ready to help.

S1E34 Avoid Medicare Advantage Network Surprises!

Mon, 25 Jan 2021 10:00:00 -0700

Suddenly your doctor won't see you! You've had the same Medicare Advantage plan for years - well, sometimes plans can change on you! It's important to review your plans every year. Luckily for this member, his doctor knew about what we do and referred him to us so we could help him. When was the last time your Medicare plans were reviewed to make sure they still meet your needs?

Contact a Certified Medicare Planner:
877-220-1089

Questions for Adam:
adam@americanretire.com

S1:E33 Not sure if your Employer/Retiree group insurance is better than Medicare?

Mon, 18 Jan 2021 22:00:00 -0700

How do you begin to compare your current employee group health insurance to the 5000+ different Medicare Options? What about Retiree group health insurance? Do I need Medicare if I want to keep working? What about my spouse?

If any of these questions are running through your mind right now tune in!
Adam goes over American Retirement Advisors proprietary tool called the Stay or Go Analysis to help folks all over the country get the answers to the very real questions that come when you choose to leave employee group health insurance... or not, because most folks will learn is you DO have a choice.

Hope you enjoy!

S1:E32 Hey HR Teams! Let us take Medicare off your plate in 2021!

Mon, 11 Jan 2021 10:00:00 -0700

Hey HR Teams! Let us take Medicare off your plate in 2021! Here is how The Medicare Architects' unique team of experts can help you succeed at one of your company's goals- What HR team doesn't want a solution for reducing their benefits management load. We have it for you!

Learn how The Medicare Architects manage everything Medicare for you and your employees. Making Medicare 123Easy@Work in 2021.

S1E31 The American Retirement Advisor January 2021

Mon, 04 Jan 2021 14:00:00 -0700

Listen to the January 2021 American Retirement Advisor Newsletter. David Edge brings our stories to life, as we reflect on 2020 and look to 2021 we thank all of our wonderful clients for staying safe and tuning in.

Cheers to 2021!

Information on Workshop Registration:

Full schedule on: www.123EasyMedicare.com
Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1:E30 What is a Special Needs Plan? Do you or a friend qualify? Find out in this weeks episode!

Mon, 28 Dec 2020 11:00:00 -0700

Many people considering Medicare are unaware of plans available offering unique and helpful benefit considerations for individuals with certain medical conditions or financial needs. They are called Special Needs Plans. Do you know of someone who could benefit from this type of coverage, both in services and reduced costs? Tune in to the show to learn more about these plans to see if someone you love should talk to one of our Certified Medicare Planners for more information!

S1:E29 Success Story of the Month! (Reading from February 2019)

Mon, 21 Dec 2020 09:00:00 -0700

"I like my plan but I'm losing my doctor!" is not something you want to face when you need care. The success story this week talks about how we were able to help a client facing this dilemma and how to avoid it in the future.

S1E28 What is this Part B Surcharge (IRMAA)?

Mon, 14 Dec 2020 08:00:00 -0700

IRMAA? Who is that? Well... it's really more 'what's' that?
In case you received a letter from Medicare expressing some unexpected surcharges to your Medicare premium, the show today might provide some answers to 'what' those charges mean.

S1:E27 Advisor Spotlight on Kyle Jacobs

Mon, 07 Dec 2020 10:00:00 -0700

This week meet Kyle Jacobs, who is as wonderfully charismatic as his father-in-law and mentor, David Edge! Kyle is genuinely devoted to helping people. From his past work with the Chamber of Commerce to Real Estate to Medicare advisement, his warm-hearted approach highlights his desire to ensure clients' decisions are confident and meet their needs first. Kyle shows his clients why the 123Easy Method resolves any of the myths advertising creates. Enjoy meeting Kyle and learn why our clients enjoy meeting with him too.

S1E26: The American Retirement Advisor December 2020

Mon, 30 Nov 2020 10:00:00 -0700

David Edge narrates the December issue of our newsletter that is filled with 2020 reflections, unique times, overcoming challenging moments, positive outlooking, and engaging in memories and things that are fun!

We thank all of our listeners for following our talk show stream since freshly launching this year.

Here's to a celebration of healthy new beginnings in 2021.

S1:E25 Educational Spotlight - Medicare Enrollment Periods

Mon, 16 Nov 2020 13:00:00 -0700

S1E24 - 65andCounting Success Story March 2018

Sat, 14 Nov 2020 10:00:00 -0700

This success story is about a client who was stressed and confused about Medicare coverage for an upcoming medical procedure and was calmed by having a team of experts readily available to answer his questions. We can help!

Free Informational Medicare Workshops:
www.123EasyMedicare.com

Want to meet with a Certified Medicare Planner?
602-281-3898

More questions for Adam?
adam@americanretire.com

S1:E23 In this episode, we are going to introduce you to a very special guest Anthony Miguel from Cigna. We want to show you how we interact with our carrier partners in the Industry. Partners like Anthony are why the Advisors at American Retirement Advi

Mon, 09 Nov 2020 09:00:00 -0700

Welcome to our first-ever Industry interview!

In this episode, we are going to introduce you to a very special guest Anthony Miguel from Cigna.

We want to show you how we interact with our carrier partners in the Industry. Partners like Anthony are why the Advisors at American Retirement Advisors are able to take such good care of their clients. Sit back and enjoy as Anthony proudly shares how Cigna is listening to your healthcare needs, and adapting to a changing world to provide you with options that will keep you healthy and cared for.

Medicare Workshops:
123EasyMedicare.com
(online and in-person where available)

Want to meet with a Medicare Planner?
(800-568-1095) - tell them Adam set you

In the Scottsdale Area?
(602) 281-3898

Do you call Las Vegas home?
(702) 852-1417

S1:E22 The American Retirement Advisor Newsletter 2020

Mon, 02 Nov 2020 09:00:00 -0700

Positive hopes for a fresh 2021, root cellars kept us stocked with essentials, is a flu shot recommended this year, social security news and considerations for savings opportunities, is Medicare on the benefits menu for your open enrollment, maximize those Medicare Advantage benefits before they expire Dec 31, don't wait till the last minute to make sure your Medicare plan has not changed copays, doctors or drug costs on you for 2021. Call us can help!

123EasyMedicare Workshops:
123EasyMedicare.com/fun2

Want help with Medicare?
Call us: 602-281-3898
(Make sure to let them know Adam from 65 and counting sent you)

S1 E21: Education Spotlight - Part D Prescription Drug Plans

Mon, 26 Oct 2020 09:00:00 -0700

This episode talks "dollars to donuts" about Part D plans or stand-alone prescription drug plans. Why you need a drug plan to avoid a penalty? How do you get one? Did you know the cheapest plan premium doesn't mean your medications will cost the lowest! Did you review your plan for 2021? Did it change on you?

S1 E20: Success Story - Did we Mess Up?

Mon, 19 Oct 2020 09:00:00 -0700

Remember, generally, if you are working past age 65, and have creditable coverage you can stay on your group plan with no penalties moving to Medicare later. Here is a success story with a happy ending! Meet with us long before you need to enroll. We can help you confirm your glide path to Medicare too!

S1 E19: Annual Election Period - Advisor Roundtable

Mon, 12 Oct 2020 09:00:00 -0700

Medicare AEP is here! This is a golden opportunity for YOU! Our advisors are ready to help to make sure your Medicare plan is STILL right for you. Hear some real stories about clients who benefited from an AEP meeting with our real advisors who give them real solutions! We review our clients' plans every year because plans can change on YOU! Enjoy this special episode featuring an Advisor Roundtable. Are there hidden savings we can uncover for you? What's new for Medicare in 2021 - what's changing for 2021? Diabetic costs, over-the-counter benefits, dental coverage, and more... Do one of these discussions impacts you? Here to help!

S1 E18: Success Story - Saving thousands during Medicare's Annual Election Period

Mon, 05 Oct 2020 09:00:00 -0700

Did you know we offer priceless peace of mind every Annual Election Period? There is no charge to review your Medicare plans annually to ensure your coverage continues to be appropriate for you. Your prescriptions might not change, but your drug plans can change on you! How long has it been since you reviewed your plans? Seize the moment for a plan review. Let us help you find some savings as we did in this Success Story!
Call us NOW as appointments are limited.

Main office: 602-281-3898
Email: adam@americanretire.com

S1 E17: The American Retirement Advisor October Newsletter! Hear David Edge bring the Newsletter to life!

Mon, 28 Sep 2020 12:00:00 -0700

Listen to the October American Retirement Advisors Newsletter here. Featured stories include: Boo who? Conjuring up treats, Flu armor to put on now, We are ready for AEP, are you? B or D for your meds, Medicare mazes managed, Two battling brothers and more.

Information on Workshop Registration:

Full schedule on: www.123EasyMedicare.com
Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1 E15: Educational Spotlight on Medicare Supplements! Freedom of Choice is one of many great benefits when you sign up for a Medigap Plan!

Mon, 14 Sep 2020 08:00:00 -0700

Welcome back! This week host Adam Frye turns the educational spotlight on to Medicare Supplement or Medigap plans! Is freedom of choice important to you? Would you like to see virtually every doctor and go to any hospital in the United States without having to worry about network restrictions? Do you want to see a specialist without having to deal with getting a referral? Original Medicare with a Medicare Supplement (and prescription drug plan) may be right for you! Hear Adam go over the "in's and out's" of Medicare Supplement plans!

Important information:
Register for a workshop: www.123EasyMedicare.com
Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1 E16: Sink your teeth into Dental Coverage Options! Special Dental Episode!

Fri, 11 Sep 2020 13:00:00 -0700

How are you going to keep those pearly whites, pearly white once you're on Medicare? This week host Adam Frye chomps in to all of your options for dental coverage after age 65 (and before)! What's the most cost effective way and comprehensive way to make sure your teeth get the care they need? There are so many different options! We've helped thousands of people over the years keep their teeth nice and healthy... Listen to this episode to find out how! Don't forget to like the video, follow our page, and share with your friends!

Important information:
Workshop Schedule and Registration: www.123EasyMedicare.com
Dental Quotes: www.123easydental.com
Call the office: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1 E14: Hear Certified Tammy Semler talk about finding her way to American Retirement Advisors and the joy she feels knowing she's helped her happy clients!

Thu, 03 Sep 2020 12:00:00 -0700

It's Advisor Spotlight time! This week host Adam Frye takes some time to speak with Certified Medicare Planner Tammy Semler! Hear how she's helping folks in Mesa, Scottsdale, and all over the United States! We all got to know Tammy a little bit better after spending some time talking about her experience in and out of the Medicare field and how she found her way to becoming a Certified Medicare Planner!

Important Info:
Workshop Registration - www.123EasyMedicare.com
Call the office - 602-281-3898
Email Adam - Adam@AmericanRetire.com

S1 E13: The American Retirement Advisor September Newsletter! Hear David Edge bring the Newsletter to life!

Fri, 28 Aug 2020 12:00:00 -0700

This week listen to American Retirement Advisors own David Edge bring September's Newsletter to life! Stay informed on the latest Medicare news in "The Medicare Moment", Hear our most recent "Success Story", get the most current "Financial Tip" and much much more!

Information on Workshop Registration:

Full schedule on: www.123EasyMedicare.com
Call to register: 602-281-3898
Email Adam: Adam@AmericanRetire.com

S1 E12: Emergency?! Fear Not! The Success Story of the month and one man's relief in finding care out-of-network!

Tue, 18 Aug 2020 15:00:00 -0700

This week host Adam Frye dives in to one of American Retirement Advisors Success Stories of the Month. One client and his wife found themselves in a real pickle! Or so they thought.... Learn how your network works in an emergency situation, or when you just need to use an urgent care! Don't forget to like and share with your friends and give us a "follow"!

Important Workshop Registration information:

Register Online: WWW.123EASYMEDICARE.COM
or
Register over the phone: 602-281-3898

Contact Adam: Adam@AmericanRetire.com

S1 E11:On a Budget? There's a "Medicare Advantage" to planning with a Certified Medicare Planner!

Mon, 17 Aug 2020 09:00:00 -0700

Today, Certified Medicare Planner Adam Frye shines the educational spotlight on Medicare Advantage Plans! Learn just what they are and what they do! Be sure to listen to the "Original Medicare" Educational Spotlight as well to be fully informed!

Email Adam? Adam@AmericanRetire.com
Looking for a workshop? WWW.123EasyMedicare.com
Call our office? 602-281-3898

S1E10: Human Resources? Employee? Retiring Senior? You had better listen to this Episode! Interview with the Medicare Architects own Loraleigh Drummond!

Sun, 02 Aug 2020 11:00:00 -0700

This week host Adam Frye welcomes Loraleigh Drummond on the show to talk about The Medicare Architects. This week is especially important for Human Resources employees (learn how to score some SHRM credits) and retiring seniors! Loraleigh goes into detail about how The Medicare Architects are making the transition from employment to retirement smooth and simple. She'll let us know how it all works and where to find important literature!

Workshop Registration available for IN-PERSON or ONLINE workshops at:
www.123easymedicare.com

Get in touch with Adam, or any of our Certified Medicare PlannersⓇ
Call (602) 281-3898

Check out Loraleigh's blog:
Medicareatwork.com

S1 E9: What exactly is a Certified Medicare Planner? Find out why a Certified Medicare Planner (CMP) is 'all that and a bag of chips'!

Mon, 27 Jul 2020 15:00:00 -0700

This week host and Certified Medicare Planner, Adam Frye explains what a Certified Medicare Planner is, and what they can do for you! He'll cover where the idea came from, what kind of training goes in to becoming one, and why they are superior to "run of the mill" agents!

S1 E8: July Newsletter Reading! Hear David Edge read classic articles written by the team at American Retirement Advisors!

Mon, 20 Jul 2020 10:00:00 -0700

This week we've got David Edge back on the show to bring our July Newsletter to life! Listen to him read classic articles from the American Retirement Advisor Newsletter. Also, host Adam Frye has some big news for Las Vegas residents!

S1:E7 - The Alphabet Soup of Medicare! Part A? Part B? Take a look at Original Medicare in this weeks Educational Spotlight

Mon, 13 Jul 2020 12:00:00 -0700

This week we've got our first ever Educational Spotlight! Host Adam Frye shines a light on Original Fee-For-Service Medicare. Ever wondered what Part A and Part B really mean? What is it? Where did it come from? What does it do? What do people do with it. Take a quick look on this weeks episode!

S1:E6 Viva Las Vegas! Meet our Senior Advisor Marc Frye who runs our Nevada branch.

Mon, 06 Jul 2020 13:00:00 -0700

S1:E6 Viva Las Vegas! Meet our Senior Advisor Marc Frye who runs our Nevada branch, hear more happy clients, and much much more.

S1E5 - Success Story of the Month! Learn how one man's struggle with high insulin cost was resolved!

Mon, 29 Jun 2020 08:00:00 -0700

This week host Adam Frye dives deep in to the June Success Story. Hear American Retirement Advisors Success Story of the month, where one man learned his special options in the Medicare world to accommodate extra costs associated with diabetes. Learn why the cost of insulin is so high, and what options insulin dependent diabetics really have when it comes to Medicare!

S1E4 - Why Am I Me? Medicare Moment? All this and more in the June Newsletter Reading Episode!

Mon, 22 Jun 2020 17:00:00 -0700

For years, American Retirement Advisors has published a monthly newsletter. Now it's available to listen to right from your devices! This week host Adam Frye has Certified Medicare Planner® and Senior Advisor David Edge read June's Newsletter right to you!

S1E3 -Meet World Traveler and Warmly Engaging David Edge - Advisor Spotlight

Mon, 15 Jun 2020 12:00:00 -0700

David Edge

Executive Vice President

He brings over 30 years of executive level experience in the financial services industry. When he is not helping clients plan for retirement, he is writing for our blogs, books, and radio show.

S1E2 - Advisor Spotlight - Sharon Colbert-Groves

Mon, 08 Jun 2020 00:00:00 -0700

Sharon has a soft-spoken and gently guiding personality. Her past business background includes interfacing with the Pentagon and employer health plan experience and her hobbies include motorcycles!

She attended a 123easy Medicare workshop years ago while as a benefits professional and immediately said "I want to help people the way this group of experts is making Medicare easy!' After mentoring under founder David Schaeffer, and becoming a Certified Medicare Planner® Sharon was on her way to creating confident clients and smiles of comfort for hundreds of people.

She is wonderfully multifaceted and we think she is someone you should know!

S1E1 - What Do Happy Clients and a Best Selling Author Have in Common?

Mon, 18 May 2020 12:00:00 -0700

Meet our host Adam Frye, hear some client testimonials, and enjoy an interview with the best-selling author on Medicare, David P. Schaeffer –CEO of American Retirement Advisors, and Chief Architect with The Medicare Architects.