Inheritance Planning Made 123Easy

Part 3 of The Rule That Taxes Your Retirement. Your RMD is one division: last December's balance divided by a factor from an IRS table. On a $1,000,000 IRA, that's about $37,700 at 73 and about $82,000 at 90. Plus the rules that trip people up. Read the full article: https://news.americanretirementadvisors.com/rmd-how-much-do-you-have-to-take-out/ American Retirement Advisors helps famil...

Part 2 of The Rule That Taxes Your Retirement. For 45 years the starting age was 70½. Now it's 73 or 75, depending on the year you were born. The age ladder, the first-year catch that can mean two RMDs in one year, and the still-working exception. Read the full article: https://news.americanretirementadvisors.com/rmd-when-do-your-rmds-start/ American Retirement Advisors helps families in Ariz...

Part 1 of The Rule That Taxes Your Retirement. At a certain age, the government stops waiting and makes you withdraw from your IRA every year, whether you need the money or not. What a required minimum distribution is, and the deal you made decades ago that started it. Read the full article: https://news.americanretirementadvisors.com/rmd-why-do-they-make-you-take-the-money-out/ American Retiremen...

Part 5 of Dental Care in Retirement. Since 2022, a Medicare Advantage plan may pay for routine dental even when your dentist has opted out of Medicare. How networks and out-of-network care work, and six questions to ask before your next visit. Read the full article: https://news.americanretirementadvisors.com/dcr-can-you-see-a-dentist-who-doesnt-take-medicare/ American Retirement Advisors helps fa...

Part 4 of Dental Care in Retirement. Many Medicare Advantage plans include dental, and a lot of it goes unused. Where to find the dental section in your plan's papers, what 'preventive' and 'comprehensive' really mean, and the limits to look for. Read the full article: https://news.americanretirementadvisors.com/dcr-what-does-your-plans-dental-really-cover/ American Retire...

Part 3 of Dental Care in Retirement. Before you sign up for any dental plan, there are other places to look: your own dentist, dental schools and hygiene clinics in the Phoenix area and Las Vegas, community health centers, and Medicaid if you qualify. Read the full article: https://news.americanretirementadvisors.com/dcr-where-can-you-get-dental-care-for-less/ American Retirement Advisors helps fa...

Part 2 of Dental Care in Retirement. A dental discount plan and a dental insurance policy work very differently. In our example, the same policy costs $1,780 or $1,155 for the year, depending on when you need the crown. Read the full article: https://news.americanretirementadvisors.com/dcr-discount-plan-or-dental-insurance/ American Retirement Advisors helps families in Arizona and Nevada navigate...

Part 1 of Dental Care in Retirement. Many of our clients are surprised how little dental care Medicare itself pays for. Where your dental coverage really comes from, the few times Original Medicare does pay, and where to start. Read the full article: https://news.americanretirementadvisors.com/dcr-does-medicare-pay-for-your-teeth/ American Retirement Advisors helps families in Arizona and Nevada n...

Every fall, someone at the mailbox swears by their Medicare plan. It may be perfect for them and wrong for you. Four things that make a plan personal, and three better questions to ask than 'which plan do you have?' Read the full article: https://news.americanretirementadvisors.com/is-your-neighbors-plan-right-for-you/ American Retirement Advisors helps families in Arizona and Nevada nav...

At Fiscal Fridays, David told the story of a drug list that made next year look like $972,000. Nothing was wrong with the plan. The list was wrong. How to get yours right before your review. Read the full article: https://news.americanretirementadvisors.com/what-if-your-drug-list-says-972000/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income,...

David closed Fiscal Fridays with a picture worth keeping: Medicare is one room in your house, and your income and your family's plan live there too. A simple once-a-year walk through all three rooms. Read the full article: https://news.americanretirementadvisors.com/is-medicare-just-one-room-in-your-house/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare,...

Our first Fiscal Fridays open to the public is in the books. The moments we loved, the questions that stuck, and why we can't wait to do it again on Friday, November 20. Read the full article: https://news.americanretirementadvisors.com/thank-you-scottsdale-see-you-november-20/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheri...

Fiscal Fridays goes live this morning in Scottsdale, the first show ever open to the public. The timeline, what to bring, the secret guest, and how to watch if you cannot be in the room. Read the full article: https://news.americanretirementadvisors.com/what-happens-at-fiscal-fridays-today/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, an...

The thirty-second clock on Fiscal Fridays is David Schaeffer's 1878 Rockford pocket watch. Behind it is a story about railroads, a wreck in Ohio, and a jeweler who made America's watches honest, plus a practical question every family with a watch drawer should answer. Read the full article: https://news.americanretirementadvisors.com/why-does-an-1878-pocket-watch-run-our-show/ American R...

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. Read the full article: https://news.americanretirementadvisors.com/how-does-a-medicare-advantage-pl...

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. Read the full article: https://news.americanretirementadvisors.com/can-an-advisor-answer-in-30-seconds/ American Retirement Advisors helps families in Arizo...

Every good show has someone you never see on stage. For Fiscal Fridays, that is Hayes Clement, the executive producer who turned a retirement panel into a talk show with a thirty-second clock, a cold open, and a spray bottle. What he changed, and why a money show needs a producer at all. Read the full article: https://news.americanretirementadvisors.com/who-gave-our-advisors-a-buzzer/ American Ret...

On Friday, October 23, Fiscal Fridays opens its studio to the public for the first time. A talk show about retirement money, with a host, a panel, a secret guest, a thirty-second clock, and a spray bottle. What it is, what happens in the room, and a week of stories leading up to it. Read the full article: https://news.americanretirementadvisors.com/why-is-fiscal-fridays-a-show-not-a-seminar/ Ameri...

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. Read the full article: https://news.americanretirementadvisors.com/can-you-beat-eddie-at-this-weeks-quiz/ American Retirement Advisors helps families in Arizona and Nev...

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. Read the full article: https://news.americanretirementadvisors.com/your-2027-raise-is-set-what-will-you-keep/ American Retirement Advisors he...

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. Read the full article: https://news.americanretirementadvisors.com/three-medicare-rumors-to-ignore-this-fall/ American Retirement Advisors...

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. Read the full article: https://news.americanretirementadvisors.com/will-any-medicare-plan-pay-for-long-term-care/...

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. Read the full article: https://news.americanretirementadvisors.com/why-a-zero-premium-plan-can-still-bill-you/ American Retirement Advisors helps fami...

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. Read the full article: https://news.americanretirementadvisors.com/giving-to-charity-the-rules-changed/ American Retirement Adviso...

Our website got a new look this week, and so did the two voices from our podcast. Eddie and Betty now live in 1950s pen and ink: on americanretirementadvisors.com, in a new library of one-page guides at the office, and starting now, right here in these articles. Read the full article: https://news.americanretirementadvisors.com/meet-the-new-eddie-and-betty/ American Retirement Advisors helps famil...