The American Retirement Advisor

By American Retirement Advisors

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Episodes: 250

Description

Retirement should feel like freedom, not a puzzle. The American Retirement Advisor is your daily dose of straight talk on the three decisions that shape every retirement: your healthcare, your income, and your inheritance plan.                         


Each episode is a short, focused read of our latest article, drawn from real conversations with real families at American Retirement Advisors in Scottsdale, Arizona. No jargon. No sales pitch. Just the kind of advice you'd want from a trusted friend who happens to do this for a living.                                                                                                                 

Hosted by Ian Schaeffer, author of Medicare Made 123Easy, COO of ARA, and founder of 123Easy Studios. Articles read by Betty.


American Retirement Advisors has served over 14,900 families since 2001. Featured in Forbes, a 4-time America's Select Financial Advisors honoree, a 3-time Inc. 500, and a Nextdoor Neighborhood Favorite.          

                            

New episodes daily. Subscribe so you never miss one.

Read the full articles at https://news.americanretirementadvisors.com/


Episode Date
Where can you get dental care for less?
Oct 30, 2026
Discount plan or dental insurance?
Oct 29, 2026
Does Medicare pay for your teeth?
Oct 28, 2026
Is your neighbor's plan right for you?
Oct 27, 2026
What if your drug list says $972,000?
Oct 26, 2026
Is Medicare just one room in your house?
Oct 25, 2026
Thank you, Scottsdale. See you November 20.
Oct 24, 2026
What happens at Fiscal Fridays today?
Oct 23, 2026
Why does an 1878 pocket watch run our show?
Oct 22, 2026
How does a Medicare Advantage plan get built?
Oct 21, 2026
Can an advisor answer in 30 seconds?
Oct 20, 2026
Who gave our advisors a buzzer?
Oct 19, 2026
Why is Fiscal Fridays a show, not a seminar?
Oct 18, 2026
Can you beat Eddie at this week's quiz?
Oct 17, 2026
Your 2027 raise is set. What will you keep?
Oct 16, 2026
Three Medicare rumors to ignore this fall
Oct 15, 2026
Will any Medicare plan pay for long-term care?
Oct 14, 2026
Why can a $0 drug plan still bill you?
Oct 13, 2026
Giving to charity this year? The rules changed
Oct 12, 2026
Eddie and Betty meet their new look
Oct 11, 2026
Five things your plan letter won't tell you
Oct 10, 2026
What do the extras really cover? What the Letter Leaves Out, part five
Oct 09, 2026
Is your doctor still in network? What the Letter Leaves Out, part four
Oct 08, 2026
Still the right drug plan? What the Letter Leaves Out, part three
Oct 07, 2026
What's your worst-case year? What the Letter Leaves Out, part two
Oct 06, 2026
Did your plan add a deductible? What the Letter Leaves Out, part one
Oct 05, 2026
What we learned when the 2027 Medicare plans came out
Oct 04, 2026
A bigger number is not a clearer number. Take-Home Notes
Oct 03, 2026
Which one are you? Take-Home Notes, part five
Oct 02, 2026
Medicare.gov, live: searching 2027 plans. Take-Home Notes, part four
Oct 01, 2026
Plan letter came. What can you change? Take-Home Notes, part three
Sep 30, 2026
Which four words decide your Medicare bill? Take-Home Notes, part two
Sep 29, 2026
Which of Medicare's two paths are you on? Take-Home Notes, part one
Sep 28, 2026
Which Medicare situation is yours? All eighteen, sorted
Sep 27, 2026
Can an AI read my Annual Notice of Change for me? Five prompts
Sep 26, 2026
Is that call really from Medicare? Open Enrollment calls
Sep 25, 2026
Still working at 65 for a small company? Why Medicare pays first
Sep 24, 2026
Is Medicare already using AI to decide what it pays for? Arizona, now
Sep 23, 2026
Seven things no AI can know about your Medicare, however good it gets
Sep 22, 2026
Is the AI you gave up on the same AI everyone is talking about now?
Sep 21, 2026
Two addresses, one plan, and the county line: snowbirds and Medicare
Sep 20, 2026
TRICARE For Life: what you need, what you do not, and the one bill
Sep 19, 2026
Three nights in a hospital bed that did not count: the three-day rule
Sep 18, 2026
Same pill, same plan, different counter: preferred pharmacy math
Sep 17, 2026
Open, Annual, General, Initial, Special: which window is yours
Sep 16, 2026
The ANOC letter, read like a spec sheet: the seven lines that matter
Sep 15, 2026
Two letters: your plan is changing, or your plan is going away
Sep 14, 2026
Is an estate plan from 2004 still a plan? Fiscal Fridays Ep 8
Sep 13, 2026
The Medigap door locks behind you: underwriting and the trial right
Sep 12, 2026
No medications? Why skipping Part D can cost you for life
Sep 11, 2026
You have the VA. Why a $0-premium Advantage plan is worth a look
Sep 10, 2026
Still working at 65, spouse is 63: the math on splitting up
Sep 09, 2026
COBRA does not stop the Medicare clock. Here is the math.
Sep 08, 2026
Three plans at work. What feels like three hundred at 65. Happy Labor Day.
Sep 07, 2026
More than 2,000 of you have already checked in for enrollment season. Thank you.
Sep 06, 2026
Friday, Hayes ran the show. Thank you, and get ready for the next one.
Sep 05, 2026
What to bring to the library on October 2nd, and what you'll walk out knowing.
Sep 04, 2026
Why we show up for plans we don't get paid on.
Sep 03, 2026
"Humana is cutting plans" is a headline. Here is what it actually means for you.
Sep 02, 2026
The scariest Medicare letters of the year land October 2nd
Sep 01, 2026
How to Split the House and the Heirlooms Without a Family War
Aug 31, 2026
How to Ask Your Parents If They've Actually Planned Anything
Aug 30, 2026
How to Give the Grandkids Money Now, and Watch It Matter
Aug 29, 2026
How to Tell Your Kids What They're Getting, Before You're Gone
Aug 28, 2026
How to Help a Struggling Adult Child Without Ruining Them
Aug 27, 2026
How to Talk to a Parent About Money When Time Is Short
Aug 26, 2026
The Inheritance That Comes With a Deadline
Aug 25, 2026
The Rooms Are Filling Up Again
Aug 24, 2026
Eddie and Betty Are Coming to the Big Screen
Aug 23, 2026
Eddie and Betty Have Been Keeping a Secret
Aug 22, 2026
Show Up Once: Badly Prepared Beats Perfectly Absent
Aug 21, 2026
Put It in the Box: One Place Your Family Can Find Everything
Aug 20, 2026
Tell the Kids: The Call Parents Put Off
Aug 19, 2026
What Actually Happens in the First Trust Meeting?
Aug 18, 2026
Why Is the Attorney's Number Still on Your Refrigerator?
Aug 17, 2026
The Box They Named Bob
Aug 16, 2026
The Steak Dinner
Aug 15, 2026
Every Product Had Its Own Salesperson
Aug 14, 2026
The Death Benefit You Already Own
Aug 13, 2026
Funeral Insurance or a Prepaid Funeral? Not Both.
Aug 12, 2026
Your Money Has Drug Interactions Too
Aug 11, 2026
Seven Ways In, Part 7: A Bill Arrives for Income You No Longer Have
Aug 09, 2026
Seven Ways In, Part 6: She Picked Advantage Three Years Ago. Nobody Mentioned the Door Locked Behind Her.
Aug 08, 2026
Seven Ways In, Part 5: He Turns 65. She Is 62 and on His Plan. Nobody Asks About Her.
Aug 07, 2026
Seven Ways In, Part 4: Everyone Called It Excellent Retiree Coverage
Aug 06, 2026
Seven Ways In, Part 3: He Was Told He Did Not Need Part B Because He Had the VA
Aug 05, 2026
Seven Ways In, Part 2: She Had Two Years of COBRA Left. She Had Two Months of Medicare Left.
Aug 04, 2026
Seven Ways In, Part 1: He Turned 65, Kept the Company Plan, and Medicare Was Already First in Line
Aug 03, 2026
I Have Been Reading the Mail the Carriers Send Us. You Should See It Too.
Aug 02, 2026
The Door That Closes at 65, and the Gap Sixty-One Years Never Filled
Aug 01, 2026
The Three Things Medicare Did That Almost Nobody Gives It Credit For
Jul 31, 2026
Sixty-One Years Ago Today, a President Flew to Missouri to Finish Someone Else's Fight
Jul 30, 2026
The Man Who Blocked Medicare for Years, Then Built It in One Night
Jul 29, 2026
The Record Album That Almost Stopped Medicare
Jul 28, 2026
The Word That Held Off Medicare for 53 Years
Jul 27, 2026
Same Plane, Same Destination
Jul 26, 2026
The Three Plays the Pros Run
Jul 24, 2026
How Are Your Assets Actually Taxed? The Three-Bucket Diagnostic
Jul 23, 2026
Every Tool in the Life Insurance Box Was Invented for a Problem
Jul 22, 2026
The Math That Made the Promise Fair
Jul 21, 2026
The First Life Insurance Policy Ever Sold Ended in a Lawsuit
Jul 20, 2026
What Would You Keep Doing Without the Paycheck?
Jul 19, 2026
My Mother-in-Law Has Never Been Busier. My Father-in-Law Still Works. Which One Is Doing Retirement Right?
Jul 18, 2026
The Gift of a Plan: What the Luckiest Heirs All Have in Common
Jul 17, 2026
The Folder: What Your Kids Will Need to Find in the First Thirty Days
Jul 16, 2026
The House They Grew Up In: What Really Happens When Kids Inherit Property
Jul 15, 2026
The Ten-Year Tax Bomb: What Your IRA Looks Like From Your Kids' Side
Jul 14, 2026
The Call Your Kids Will Get: Inheritance From the Other Side of the Table
Jul 13, 2026
The Lobster Roll Trail, Part 2: Cash Only in Harpswell, Sunrise on Cadillac Mountain
Jul 12, 2026
The Lobster Roll Trail, Part 1: Plum Island to Kennebunkport
Jul 11, 2026
What to Do Financially When Your Spouse Dies: The First 90 Days
Jul 10, 2026
Inherited IRA Rules, Step-Up in Basis, and What Your Kids Actually Receive When Everything Passes to Them
Jul 09, 2026
Widowed at 75: How to Appeal a Medicare IRMAA Surcharge After the Death of a Spouse
Jul 08, 2026
Widowed in Your 60s: The Qualifying Surviving Spouse Tax Status and the Social Security Choice Almost Everyone Gets to Make
Jul 07, 2026
Widowed at 55: What Happens to Social Security, Health Coverage, and the Plan You Built Together
Jul 06, 2026
Passing On the House: Step-Up in Basis, Gifting Rules, and the Estate Tax Most Families Will Not Pay
Jul 05, 2026
The Tax Bill Hiding in Your House: Capital Gains on a Home Sale After 65
Jul 04, 2026
The Fourth Color: When Real Estate Is Part of Your Retirement Income
Jul 03, 2026
Putting It All Together: A Tax-Smart Way to Draw Your Retirement Paycheck
Jul 02, 2026
The Social Security Tax Surprise: How Much of Your Benefit Is Taxable
Jul 01, 2026
Meet IRMAA: The Medicare Surcharge With a Two-Year Memory
Jun 30, 2026
Filling the Bracket: The Roth Conversion Window Before Age 73
Jun 29, 2026
The Gap Years: Often the Lowest-Tax Window of Your Life
Jun 28, 2026
The Family Bank: Setting Up the Next Generation While It's Cheap
Jun 27, 2026
Your Own Life Insurance Could Be Adding to Your Tax Bill
Jun 26, 2026
The Nine-Month Problem That Forces Families to Sell What They Love
Jun 25, 2026
The Tax-Free Bucket Most Retirees Are Missing
Jun 24, 2026
The Policy That Helps You While You're Alive
Jun 23, 2026
Be Your Own Bank: The Cash Value Most People Never Touch
Jun 22, 2026
The Inheritance That Has Nothing to Do With Money
Jun 21, 2026
Do I Need Life Insurance in Retirement? (An Honest Answer)
Jun 20, 2026
Build the Team Before You Need It
Jun 19, 2026
Giving While You're Alive to Watch It
Jun 18, 2026
Layering a Windfall Onto an Already-Full Plan
Jun 17, 2026
The Tax Bill Hiding in a Good Year
Jun 16, 2026
When the Problem Isn't Growth, It's Coordination
Jun 15, 2026
The Inheritance You Can See Coming
Jun 14, 2026
The Hardest Part of Passing On Wealth Isn't the Money
Jun 13, 2026
You Just Inherited. Now What? (Start by Doing Nothing.)
Jun 12, 2026
The Conversation No Family Wants to Have First
Jun 11, 2026
You Have a Will. So You're Covered, Right?
Jun 10, 2026
The Roth Conversion Deadline You Were Warned About Just Quietly Disappeared
Jun 09, 2026
The Moment the Power Goes Out
Jun 08, 2026
The Life Insurance You Bought at 35 Was Built for a Different Job
Jun 07, 2026
3 Questions You're Afraid to Ask Your Financial Advisor (And Why You Should)
Jun 06, 2026
Take the Trip. This Is What You Prepared For.
Jun 05, 2026
Your First RMD Could Quietly Raise Your Medicare Premium Two Years Later
Jun 04, 2026
You Can Always Make More Money. You Can't Make More Time.
Jun 03, 2026
6 Problems With Dave Ramsey's Social Security Advice
Jun 02, 2026
Why the Rules of a Secure Retirement Haven't Changed in 100 Years
Jun 01, 2026
Do You Actually Need Life Insurance in Retirement?
May 31, 2026
Life Insurance Types: A Plain English Guide for Retirees
May 30, 2026
Fiscal Fridays Episode 2: Things You Thought Were Protecting Your Family
May 29, 2026
Why Your Medicare Agent Is About to Call You About Life Insurance
May 28, 2026
The Unfair Advantage You Already Paid For
May 27, 2026
The Stories We Lose When We Don't Talk About the Money
May 26, 2026
Grammy Flew to Boston. Her Retirement Plan Said Yes.
May 25, 2026
The Lights Are On, the Cameras Are Rolling, and We Are Doing This Again
May 22, 2026
Your Monthly Budget Is Probably Wrong. Here's How to Fix It.
May 21, 2026
You Already Won. You Just Forgot.
May 21, 2026
How to Talk to Your Parents About Inheritance (Before It's Too Late)
May 19, 2026
3,672 People Already Made This Decision. Here's What They Said.
May 18, 2026
You Have Enough Money to Retire. So Why Can't You Pull the Trigger?
May 15, 2026
We've Got $1.1 Million, but Our Advisor Never Talks About Any of This
May 14, 2026
My Father Made a Huge Mistake With His CDs
May 13, 2026
3 Medicare Gaps That Catch Retirees Off Guard
May 12, 2026
He Had $500K at Vanguard and Thought He Was Fine
May 11, 2026
The Hidden Cost of Medicare Plan Loyalty
May 08, 2026
Fiscal Fridays Is Here: A Live Retirement Show Like Nothing You've Seen Before
May 07, 2026
How a Roth Conversion Affects Your Social Security Tax and Medicare Premium
May 07, 2026
The Math Most City of Scottsdale Employees Never Run Before They Retire
May 06, 2026
The Inheritance Plan That Protects Your Kids From Themselves
May 05, 2026
The One Page That Overrides Your Entire Will
May 04, 2026
Is Your Social Security Income Taxable? Here's How to Know
May 03, 2026
Why the Smartest Investors Don't Pick One Strategy
May 02, 2026
The Roth Conversion Window Most Retirees Don't Know Exists
May 01, 2026
Your Medicare Supplement Rate Went Up Again. Here's What You Can Actually Do About It.
May 01, 2026
Medicare Doesn't Cover Your Teeth. Here's What Does.
Apr 30, 2026
Your Kids Will Inherit Your Money. Are They Ready?
Apr 29, 2026
Medicare Made 123Easy - Updated with new Bonus Chapters!
Nov 03, 2024
S1E70 November 2021 Newsletter Reading of The American Retirement Advisor
Nov 02, 2021
S1E69 October 2021 Newsletter Reading- The American Retirement Advisor
Oct 01, 2021
S1E68 What do do with your Medigap during AEP
Sep 27, 2021
S1E67 AEP- Time for a Medicare Plan Review
Sep 21, 2021
S1E66 Medicare Annual Enrollment Period
Sep 07, 2021
S1E65 September 2021 Newsletter Reading- The American Retirement Advisor
Sep 01, 2021
S1E64 Welcome to Medicare Wellness Visit
Aug 23, 2021
S1E63 August 2021 Success Story
Aug 17, 2021
S1E62 Sink Your Teeth into Free Meals!
Aug 10, 2021
S1E61 August 2021 Newsletter Reading - The American Retirement Advisor
Aug 03, 2021
S1E60 Part B Drug Benefits Explained
Jul 26, 2021
S1E59 A Free Ride with Medicare?
Jul 19, 2021
S1E58 Switching Med Sups is What’s Up!
Jul 12, 2021
S1E57 HSAs - Beware Before Medicare
Jul 05, 2021
S1E56 July 2021 Newsletter Reading- The American Retirement Advisor
Jun 28, 2021
S1E55 Avoid pesky Part D penalties!
Jun 21, 2021
S1E54 Medicare Junk Mail anyone?
Jun 14, 2021
S1E53 [ENCORE] - Sink your teeth into some juicy dental benefits!
Jun 07, 2021
S1E52 June 2021 Newsletter Reading
May 31, 2021
S1E51 People look to the stars for answers…. But is that how to choose your Medicare?
May 25, 2021
May 2021 Success Story - Do Couples Have to Share Everything?
May 17, 2021
Smart Watches, Vitamins, Water picks, Oh My!!!
May 10, 2021
May 2021 Newsletter The American Retirement Advisor 2021 Featuring...Medicare Supplement Rates on the Rise.
May 03, 2021
Protect and Disconnect!
Apr 26, 2021
Dad & Chinese Checkers! Success Story April 2021
Apr 19, 2021
Gym? Health Coach? Free Meals!!? Your Medicare Plan might include all of this and more
Apr 12, 2021
S1E44 Poking around the Covid-19 Vaccine...
Apr 05, 2021
The American Retirement Advisor April 2021 featuring... Medicare's Dirty Secret
Mar 29, 2021
S1E42 - Long Term Care insurance... What is it? Who Needs it? And why?
Mar 22, 2021
Are you prepared for the unexpected? - March 2021 Success Story
Mar 15, 2021
S1E40 Sneak peek at our EXCLUSIVE new video series.
Mar 08, 2021
[🎙NEWSLETTER] - March 2021 The American Retirement Advisor
Mar 01, 2021
S1E38 What happens when you lose your social security card or worse it is stolen?
Feb 22, 2021
S1E37 Traveling with Medicare!
Feb 15, 2021
S1E36 Client Care Success Stories with Adam
Feb 08, 2021
S1E35 The American Retirement Advisor February 2021
Feb 01, 2021
S1E34 Avoid Medicare Advantage Network Surprises!
Jan 25, 2021
S1:E33 Not sure if your Employer/Retiree group insurance is better than Medicare?
Jan 19, 2021
S1:E32 Hey HR Teams! Let us take Medicare off your plate in 2021!
Jan 11, 2021
S1E31 The American Retirement Advisor January 2021
Jan 04, 2021
S1:E30 What is a Special Needs Plan? Do you or a friend qualify? Find out in this weeks episode!
Dec 28, 2020
S1:E29 Success Story of the Month! (Reading from February 2019)
Dec 21, 2020
S1E28 What is this Part B Surcharge (IRMAA)?
Dec 14, 2020
S1:E27 Advisor Spotlight on Kyle Jacobs
Dec 07, 2020
S1E26: The American Retirement Advisor December 2020
Nov 30, 2020
S1:E25 Educational Spotlight - Medicare Enrollment Periods
Nov 16, 2020
S1E24 - 65andCounting Success Story March 2018
Nov 14, 2020
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
Nov 09, 2020
S1:E22 The American Retirement Advisor Newsletter 2020
Nov 02, 2020
S1 E21: Education Spotlight - Part D Prescription Drug Plans
Oct 26, 2020
S1 E20: Success Story - Did we Mess Up?
Oct 19, 2020
S1 E19: Annual Election Period - Advisor Roundtable
Oct 12, 2020
S1 E18: Success Story - Saving thousands during Medicare's Annual Election Period
Oct 05, 2020
S1 E17: The American Retirement Advisor October Newsletter! Hear David Edge bring the Newsletter to life!
Sep 28, 2020
S1 E15: Educational Spotlight on Medicare Supplements! Freedom of Choice is one of many great benefits when you sign up for a Medigap Plan!
Sep 14, 2020
S1 E16: Sink your teeth into Dental Coverage Options! Special Dental Episode!
Sep 11, 2020
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!
Sep 03, 2020
S1 E13: The American Retirement Advisor September Newsletter! Hear David Edge bring the Newsletter to life!
Aug 28, 2020
S1 E12: Emergency?! Fear Not! The Success Story of the month and one man's relief in finding care out-of-network!
Aug 18, 2020
S1 E11:On a Budget? There's a "Medicare Advantage" to planning with a Certified Medicare Planner!
Aug 17, 2020
S1E10: Human Resources? Employee? Retiring Senior? You had better listen to this Episode! Interview with the Medicare Architects own Loraleigh Drummond!
Aug 02, 2020
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'!
Jul 27, 2020
S1 E8: July Newsletter Reading! Hear David Edge read classic articles written by the team at American Retirement Advisors!
Jul 20, 2020
S1:E7 - The Alphabet Soup of Medicare! Part A? Part B? Take a look at Original Medicare in this weeks Educational Spotlight
Jul 13, 2020
S1:E6 Viva Las Vegas! Meet our Senior Advisor Marc Frye who runs our Nevada branch.
Jul 06, 2020
S1E5 - Success Story of the Month! Learn how one man's struggle with high insulin cost was resolved!
Jun 29, 2020
S1E4 - Why Am I Me? Medicare Moment? All this and more in the June Newsletter Reading Episode!
Jun 23, 2020
S1E3 -Meet World Traveler and Warmly Engaging David Edge - Advisor Spotlight
Jun 15, 2020
S1E2 - Advisor Spotlight - Sharon Colbert-Groves
Jun 08, 2020
S1E1 - What Do Happy Clients and a Best Selling Author Have in Common?
May 18, 2020