Inheritance Planning Made 123Easy

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/ American Retirement Advisors helps families in Arizona...

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

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

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

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/ American Retirement Advisors helps families in Arizona a...

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

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/ American Retirement Advisors helps families in Arizona and Neva...

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

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

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/ American Retirement Advisors helps families in Arizon...

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/ American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at...

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

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

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/ American Retirement Advisors helps families in Arizona and...

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/ American Retirement Advisors helps families in Arizona...

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

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...