Wealth that lasts beyond one generation.
Most families have a will and call it a plan. But the money rarely follows the will. It follows beneficiary forms, account titles, and trust paperwork that nobody has looked at in years. A fifteen minute intro call shows you where your plan stands.
Schedule my intro call →No cost · 15 minutes · No pitch, no pressure, no obligation after
The uncomfortable truth
The will is not the plan.
Your IRA, 401(k), life insurance, and most bank accounts pass by beneficiary designation, not by your will. If those forms are out of date, the form wins. And if you refinanced your home in the last few years, your lender may have required it to come out of your trust. Many homes were never put back in.
Your Inheritance Game Plan
Five things a second look almost always surfaces.
On your official appointment, your advisor walks your family through all five. Sample findings below are illustrative.
What is already working
A real review starts with what is right, not just what is missing. When your accounts, titles, and documents agree with each other, you should hear that plainly.
Who actually gets what
Beneficiary forms override the will. We check every account against what you think your plan says.
The house and the trust
Refinancing often requires taking the home out of a living trust. Putting it back is a step many families never completed, which can put the house into probate.
The tax clock on inherited accounts
Since the SECURE Act, most adult children who inherit an IRA must empty it within ten years, often during their own peak earning years. Where the money sits determines what your family keeps.
The three colors of money
Taxed now, taxed later, and never taxed again. Most families have too much in the second bucket and do not know it. Seeing your money in three colors changes the conversation your family will have someday.
How it works
Three steps. No pitch. No obligation.
A short intro call
Fifteen minutes with our client care team, not a salesperson. We listen to what you want your money to do for your family and answer your questions.
Matched with the right advisor
Based on your situation, we match you with the advisor on our team who fits it best. If we are not the right firm for you, we say so on that call.
Your official appointment
Booked before you hang up. You leave that meeting with your Inheritance Game Plan: what is working, what is exposed, and what to do about it, in plain English.
Who is behind this
A family firm, for family money.
American Retirement Advisors has guided retirement decisions for thousands of families from our offices in Scottsdale and Las Vegas. David built the firm. Ian builds what comes next. Passing something on is not a product to us. It is literally the family business. We do not replace your estate attorney or your tax professional. We quarterback with them, so every document, account, and beneficiary form finally says the same thing.
Your dedicated specialist
Jason Tweet, Generational Wealth Strategist
Most firms hand inheritance questions to whoever answers the phone. We built a dedicated role for it. Jason's entire focus is generational wealth: how families pass homes, accounts, businesses, and values to the next generation without losing them to taxes, probate, or confusion. When your plan needs a specialist, this is the specialist.
Common questions
What people ask before they call.
Is this a sales pitch?
No. The intro call is with our client care team, whose job is to understand your situation and match you with the right advisor. There is nothing to buy on that call. If we are not a fit, we will tell you and point you in a better direction.
What does it cost?
The intro call and your first advisor appointment are at no cost to you. If there is ever a cost to work together beyond that, you will hear it plainly, in writing, before you decide anything.
Do I need to gather documents first?
No. Come as you are. If your advisor needs to see something specific later, they will tell you exactly what and why.
I already have a trust. Do I still need this?
A trust only controls what is actually inside it. The most common issue we see is a good trust that assets have drifted out of, especially after a refinance. A funding check is often the most valuable fifteen minutes a trust owner can spend.
What if my estate is modest?
We will be honest about that too. Our work fits best for families with a home, retirement accounts, and savings they intend to pass on. If a simpler path serves you better, we will say so on the intro call.
Someday your family will open a folder.
Make it the folder that says you thought of everything. Start with fifteen minutes.
Schedule my intro call →No cost · No pitch, no pressure · Scottsdale & Las Vegas · (602) 281-3898