Inheritance Planning Made 123Easy

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/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, an...

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

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/ American Retirement Advisors helps f...

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

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/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retir...

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

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

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/ American Retirement Advisors helps families...

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/ American Retirement A...

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-af...

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/ American Retirement Advisors helps families in Arizon...

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/ American Retirement Advisors helps families in Arizona...

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/ American Retirement Advisors helps families in Arizona and Nevada navigate health...

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/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retiremen...

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 g...

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.

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.

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.

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 he...

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/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, r...

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.

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.

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

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

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