Every Aspect of Your Retirement.
One Team That Knows You.
From your first Social Security check to your last beneficiary designation, we manage it all. Income, Medicare, investments, inheritance, and everything in between.
Comprehensive Retirement Planning
Click any service below to learn more about how we help families plan, protect, and preserve their retirement.
Income Planning
Guaranteed income for life
FreeMedicare Guidance
Every plan, every carrier, $0 cost
Inheritance Planning
Prepare, Protect, Preserve
Investments
Disciplined portfolio oversight
Financial Planning
Taxes, Social Security, estate
Annuity Planning
Top carriers, guaranteed income
Estate Coordination
Trusted legal partners
Virtual + Reviews
Nationwide, ongoing support
Your Paycheck That Never Stops
The most important question in retirement is simple: will my money last? We build income plans designed so you never have to worry about running out.
Most people retire with a pile of savings and no plan for turning it into reliable income. Social Security covers some of it. Maybe a pension covers more. But the gap between what comes in every month and what you actually need to live? That gap is where retirement plans fail.
At American Retirement Advisors, we close that gap. We combine three types of financial tools into a coordinated system where each one plays a specific role. We call it the Three Types of Money.
Your Bank
Safe, liquid, always accessible
- Checking, savings, credit union accounts
- Fully insured by FDIC or NCUA
- Complete access anytime, no restrictions
- Low or no growth, but total safety
- Purpose: emergency fund, daily expenses, immediate needs
Guaranteed Income
Your paycheck that never stops
- Guaranteed income for life through annuities
- No fees on the base product
- Grows tax-deferred until you need it
- Cannot lose principal, fully insured
- Avoids probate, passes 100% to beneficiaries
- Includes long-term care protection options
- Perfect for IRA and 401(k) rollovers
Growth Investments
Managed risk for long-term growth
- Market-based investments with growth potential
- Extremely low-cost, fee-averse approach
- Newer buffered products offer downside protection
- Aligned to your risk tolerance and timeline
- Complements guaranteed income, not replaces it
The balance between these three types is different for everyone. Some clients need more guaranteed income. Others want more growth. We show you the math for every scenario and let you choose the balance that fits your life. Our projections have been within 1% accuracy over 20 years.
Want to see how the Three Types of Money would work with your specific numbers?
Book Your Free Income AnalysisMedicare Made 1-2-3 Easy
Medicare is confusing. Dozens of carriers, hundreds of plans, and rules that change every year. We compare everything, handle the paperwork, and it costs you absolutely nothing.
Whether you are turning 65, leaving employer coverage, or wondering if your current plan is still the best option, our Medicare team walks you through every available plan in your area. We are not tied to one carrier. We search the entire marketplace and find the plan that fits your doctors, your prescriptions, and your budget.
David Schaeffer founded 123EasyMedicare specifically to simplify this process. Through CMS-approved workshops, our team has guided over 18,000 individuals through Medicare enrollment. We do this every single day.
Review Your Situation
We start by understanding your health needs, current medications, preferred doctors, and budget. Everyone's Medicare situation is different.
Compare Every Option
Medicare Advantage, Medicare Supplement, Part D prescription drug plans. We compare every carrier and every plan available in your zip code. No shortcuts.
Enroll and Handle Paperwork
We handle all the paperwork. From initial enrollment to Annual Enrollment Period changes, we manage the entire process so you do not have to.
Annual Re-evaluation
Every year during Open Enrollment, we review your coverage, compare it against new options, and confirm you still have the best plan for your situation. Plans change. So do your needs.
There is no fee, no obligation, and no catch. We are compensated by the insurance carriers, not by you. Your only job is to show up and let us find the right plan. We handle the rest.
Turning 65? Confused by your options? Let us walk you through it for free.
Schedule Free Medicare ReviewInheritance Planning Made 1-2-3 Easy
Inheritance planning is bigger than estate planning. A will and a trust are just the start. We cover every account, every asset, every digital login, and every legal protection you need so nothing falls through the cracks.
Most families only think about inheritance after a crisis. Someone passes away and the surviving family members are left scrambling, searching for accounts, guessing at passwords, fighting through probate, and making financial decisions under the worst possible circumstances.
We built our inheritance planning process specifically to prevent that. We break it into three simple steps, just like we do with every other element of our practice: Prepare, Protect, and Preserve.
Prepare
Gather what you have, so you know what needs to be secured.
- Identify every account, asset, and policy
- Document digital access and passwords
- Review all beneficiary designations
- Catalog important documents and titles
- Organize everything in one secure place
Protect
Legal protections so your legacy goes exactly where you want it.
- Wills, trusts, and proper trust funding
- Beneficiary designations (POD/TOD)
- Incapacity planning and powers of attorney
- Coordinated with trusted estate attorneys
- Avoid probate delays and unnecessary costs
Preserve
Strategies to make sure your money lasts as long as you do.
- Three types of money working together
- Guaranteed income strategies for life
- Tax-efficient transfers to your heirs
- Long-term care protection options
- Ongoing reviews to keep your plan current
The Wake-Up Call Question
Most families cannot answer that question. That is exactly why we built our inheritance planning process. It starts with the basics and builds to a comprehensive plan that covers every scenario. And it starts with a simple, free conversation.
Ready to make sure nothing falls through the cracks?
Start Your Inheritance PlanDisciplined, Low-Cost Portfolio Oversight
We are extremely fee-averse. Everything in your portfolio must be low cost, aligned with your risk tolerance, and designed for your specific retirement timeline. We do not chase trends or gamble with your future.
For clients who want market exposure with downside protection, we use newer buffered investment products that can protect your principal if the market goes unfavorable. As one of our advisors puts it: "Our clients are legitimately sitting outside watching the roller coaster because they are not experiencing what the rest of the world is."
- IRA, 401(k), and retirement account rollovers
- Risk-aligned asset allocation
- Buffered products for downside protection
- Regular rebalancing and performance reviews
- Transparent, low-cost fee structure
The Full Picture, Not Just a Piece
Retirement planning is not just about investments. It is about taxes, Social Security timing, estate documents, insurance coverage, and how all of those pieces fit together. Our dedicated planning team builds comprehensive plans that account for everything.
We show you the math behind every recommendation. No guessing, no hand-waving, no sales pitch. Just numbers and a plan you can understand and trust.
- Social Security optimization and timing analysis
- Tax-efficient withdrawal strategies
- Estate document coordination
- Insurance coverage review
- Projections within 1% accuracy over 20 years
Independent Access to the Entire Marketplace
We do not work for any single insurance company. We search the entire marketplace and find the annuity structure that fits your goals. Whether you need guaranteed lifetime income, principal protection, or a combination, we compare options from dozens of top-rated carriers.
- Athene, Global Atlantic, Nationwide, and dozens more
- Fixed, indexed, and income annuity options
- No fees on base fixed annuity products
- Tax-deferred growth
- Probate-free transfer to your beneficiaries
- Long-term care riders available
Coordinated With Trusted Legal Partners
Estate planning is a critical piece of your retirement plan, and it needs to be coordinated with your financial strategy. We work directly with trusted estate attorneys who understand how your finances, insurance, and legal documents need to work together.
Our Arizona clients work with Sean Greengard of Greengard Law Firm in Phoenix. Our Nevada clients work with Jason Marc Sadow of Sadow and Rothenberg in Las Vegas. Both firms specialize in estate planning, asset protection, and elder law.
- Wills, trusts, and trust funding
- Powers of attorney and healthcare directives
- Beneficiary designation review
- Asset protection strategies
- Coordinated between your advisor and attorney
Every Client Gets the Full Experience
Virtual Consultations
Full-service retirement planning from anywhere via Zoom. The same advisor, the same attention, the same results. We serve clients in all 50 states.
Ongoing Client Reviews
We require at least one meeting a year. Markets change, tax law changes, life changes. Your plan needs to keep up. We handle the scheduling, you show up.
The Beneficiary Box
Our proprietary organizational system: a fireproof, waterproof box with a color-coded filing system and four one-hour coaching sessions. Everything your family needs, all in one secure place.
Your Retirement Plan in 5 Steps
Whether it is income planning, Medicare, investments, or inheritance, every client relationship starts the same way.
Discovery
We listen first. What do you want to accomplish? What do you have, think you have, want to have? Today is discovery day, not decision day. All you need to bring is a smile and an open mind. This meeting is at no cost to you and comes with no obligation.
Your Game Plan
Our planning team takes everything from discovery and builds your personalized retirement plan. We show you the math behind every recommendation. No guessing, no hand-waving.
Questions and Refine
You come back with every question you can think of. We sit together, talk it through, and refine the plan until it is right. Ask us the questions you did not know you had.
Implementation
We account for what stays, move what needs to be moved, and handle the paperwork. Our dedicated planning team does the heavy lifting so you do not have to.
Annual Review
We require at least one meeting a year. How do we know you are happy if we cannot talk to you? Life changes, markets shift, and tax law evolves. Your plan should too.
It all starts with a conversation. Discovery is free, and there is no obligation.
Schedule Your Free Discovery Session