Understand the WHY Behind Your Retirement
David Schaeffer explains the stuff most advisors skip. The history. The systems. The real context behind the decisions that shape your retirement.
Talk to David's TeamNo cost. No pressure. Just a real conversation.
Meet David Schaeffer
David started American Retirement Advisors over 25 years ago. Since then, he and his team have helped 14,900+ households figure out the income side of retirement.
After 25 years of sitting across the table from people just like you, David started Fiscal Footnotes to share the context most people never get. The stuff that actually helps you make better decisions.
What You'll Learn From Fiscal Footnotes
The context behind the biggest decisions in retirement
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Why retirement income gets taxed differentlyWithdrawals from 401(k)s, IRAs, and Roth accounts are all treated differently. Most people find that out the hard way.
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When to claim Social Security (and why timing matters)The difference between claiming at 62, 67, or 70 can mean hundreds of thousands of dollars over your lifetime.
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Why savings and income are not the same thingHaving a million dollars saved and having a plan to make it last 30 years are two very different things.
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How to protect your retirement from market downturnsA bad year at the wrong time can quietly reshape your whole retirement. Even if your average returns look fine on paper.
"Everyone's needs are different in retirement, but everyone wants to stay retired."
What Clients Are Saying
"This is a full-service company that can help anyone who needs help with all retirement planning. I wish I had found them sooner."
"The workshop gave me options and clear objectives for making sure my income would last through retirement. I finally feel confident about my plan."
"The people working in this organization care about their clients. They took the time to explain everything and made us feel like family."
Ready to Talk About Your Retirement?
Schedule a conversation with David's team. No cost, no pressure. Just a chance to talk about where you stand.