★★★★★
He was very prepared for our meeting, and remembered everything we had discussed from our visit when my husband was turning 65, almost 2 years ago. We have complete confidence in David.
We do more than Medicare.
Don't leave your family guessing.
INHERITANCE PLANNINGYou picked this up in our office. Here is what the flyer did not have room to say.
If something happened to you tomorrow, would your family know what to do? We help put your wishes, key papers, and account details in one clear place.
American Retirement Advisors
The rest of the flyer
Give your family answers, not stress, delay, and confusion.
“I watched my mom struggle. I never wanted anyone to go through that again.” Ian Schaeffer, David's son and our COO, watched his mother spend months piecing together her father's affairs. This program is what came out of it. Here is what it covers.
Everything in one place
Accounts, policies, passwords, contacts, and wishes, gathered where your family can find them and understand them the first time.
Read: Before Death Do Us Part →Beneficiary forms
Your IRA, life insurance, and payable-on-death accounts pass by the form on file, not by your will. We check each one against what you want today.
Read: The One Page That Overrides Your Entire Will →Wills, trusts, and probate
As David puts it, a will doesn't avoid probate. It's instructions for the judge who runs it. A trust only helps with what is actually inside it, so we check yours.
Read: You Have a Will. So You're Covered, Right? →Powers of attorney and health directives
If you can't speak for yourself, someone you trust should be able to. We make sure those papers exist and your family knows where they are.
Read: Before Death Do Us Part →The house
A refinance can take a home out of a trust, and it does not always go back in. We check the deed so the house goes where you intended.
Read: Your Home, Your Legacy →When a spouse dies
Household income often drops while most of the bills stay the same. We plan for that year now, so the survivor is not figuring it out alone.
Read: What to Do Financially When Your Spouse Dies: The First 90 Days →A clear plan for loved ones
Your children or beneficiaries hear the plan from you, with David there to guide it. Everyone leaves knowing what you wanted and where to find it.
Read: How to Tell Your Kids What They're Getting, Before You're Gone →Watch
See how it works
A short video on what families find when the time comes, and what they wish had been ready.
A trust is only part of the job. David explains the rest: titles, beneficiaries, documents, and what your family actually needs.
Who you will sit with
You don't have to figure this out alone.
I've sat with families on both sides of this. The ones who prepared, and the ones who didn't. When a family has clarity, they can grieve without chaos. They can honor their loved one's wishes instead of guessing. That's what these sessions give you.David Schaeffer
David Schaeffer has walked hundreds of families through this exact process. He knows where people get stuck and what gets skipped. He stays with you, session by session, until your plan is complete.
How it works
How the program works
Four guided sessionsPrivate sessions with David, in person or on Zoom, spaced a few weeks apart so you have time to gather papers. Session by session, you work from personal papers and passwords to accounts, insurance, beneficiary forms, and estate documents.
The Beneficiary Box™A locked heirloom case with color-coded sections and instruction sheets. Everything you organize goes inside, so your family can open it and understand it the first time.
The family meetingIn person or on Zoom, with your children or beneficiaries. Everyone walks away knowing the plan and where to find what they need.
Keep exploring
More on wills, beneficiary forms, the house, and what happens when a spouse dies.
Read
Guide · August 12, 2026Before Death Do Us PartA practical checklist for gathering documents, accounts, and healthcare wishes together, before your family ever needs them.Read →
Article · August 20, 2026Put It in the Box: One Place Your Family Can Find EverythingTrusts, policies, passwords, keys: most of it lives in too many places. Here is what belongs together, and why.Read →
Article · April 25, 2026The One Page That Overrides Your Entire WillYour will says one thing, your beneficiary form says another, and the form usually wins. Here is how to fix it.Read →
Article · June 10, 2026You Have a Will. So You're Covered, Right?A will is the floor, not the finish line. What it leaves out, including probate and who speaks for you.Read →
Service · September 8, 2026Inheritance and legacy planningHow we keep your documents, accounts, and beneficiary forms saying the same thing, then check them again every year.Read →
Guide · August 13, 2026Understanding Revocable TrustsWhat a living trust does, what it does not, and the questions worth asking before you pay anyone to draft one.Read →
Article · August 28, 2026How to Tell Your Kids What They're Getting, Before You're GoneYour kids can already see the money. Telling them the plan while you are here is how they learn the why.Read →
Article · July 10, 2026What to Do Financially When Your Spouse Dies: The First 90 DaysThe first weeks, the first months, and the decisions that should wait. A calm, in-order list for surviving spouses.Read →
Guide · June 22, 2026Your Home, Your LegacyDavid Schaeffer and Kyle Jacobs on when to sell, when to hold, and how to hand the house down.Read →
Program · June 16, 2026The Complete Inheritance Planning ProgramGuided sessions with David, the Beneficiary Box, and a family meeting, with us beside you until your plan is finished.Read →Listen
Put It in the Box: One Place Your Family Can Find EverythingWhy gathering every account and document in one place saves your family confusion later.Listen · 15:03 · Aug 20, 2026 →The Folder: What Your Kids Will Need to Find in the First Thirty DaysWhat your children will need to locate right away, and why having it ready matters.Listen · 18:16 · Jul 16, 2026 →What to Do Financially When Your Spouse Dies: The First 90 DaysThe financial steps that matter most in the early weeks after losing a spouse.Listen · 19:56 · Jul 10, 2026 →Widowed at 55: What Happens to Social Security, Health Coverage, and the Plan You Built TogetherWhat a younger widow needs to know about benefits, health coverage, and the plan she built together.Listen · 17:38 · Jul 6, 2026 →How to Split the House and the Heirlooms Without a Family WarHow families divide a house and its belongings fairly, without turning it into a fight.Listen · 18:37 · Aug 31, 2026 →Tell the Kids: The Call Parents Put OffWhy parents delay telling their children the plan, and how to finally have that talk.Listen · 15:37 · Aug 19, 2026 →You Have a Will. So You're Covered, Right?Why having a will is only the starting point, not the whole plan your family needs.Listen · 14:09 · Jun 10, 2026 →The Gift of a Plan: What the Luckiest Heirs All Have in CommonWhat separates heirs who feel prepared from those who feel lost, according to families who did it well.Listen · 18:11 · Jul 17, 2026 →
Watch
A couple refinanced and their house quietly left their trust. David explains the quick check that catches it.
Quick answers, under a minute
What clients say
What families say
★★★★★
After thorough initial discovery and diligent listening, David provided a comprehensive overview of what could be done to strengthen and assure a healthy retirement plan for my wife and I. I confidently felt that he was engaged with the client in front of him and NOT promoting a cookie cutter presentation.
★★★★★
David did an excellent job at explaining to us that financially we are doing just fine at this time to be okay with our retirement, which really put our minds at ease. He explained what they can do for us going forward to help us continue on the right path.
Real reviews from real clients, shown as written except for length. Reviewer names are first name and last initial. Nobody is paid for a review.
Questions people ask
Straight answers
Do I need to be a Medicare client?
No. Many families start with us on Medicare, and many don't. If we already help you with Medicare, we build on what we know, so you won't start from scratch.
I already have a will and a trust. Is this still for me?
Yes. We organize everything around them: the accounts, contacts, healthcare papers, and beneficiary forms your documents don't cover. If anything needs to change, your attorney makes the change.
Can my spouse and I do this together? Our kids live out of state.
Most couples go through it together, and one box covers your household. The family meeting works in person or on Zoom, so children in other states can join.
What happens when I request an appointment?
Adam Frye from our client care team calls you to set up a first conversation, in our Scottsdale or Las Vegas office or on Zoom. If the program fits, you get every detail before you decide anything.
Do you write wills and trusts?
No. We are not a law firm. We organize, review, and coordinate, and your attorney drafts or updates any documents.
Request an appointment
Ask about inheritance planning
Tell us how to reach you and we will call to set up your first conversation. Rather talk now? Call 602-281-3898.
602-281-3898Send Us a Request
We typically respond within one business day.
Scottsdale, AZ (headquarters)
Medicare is only one part of retirement
We do more than Medicare.
Retirement income planningWill your money last as long as you do? Social Security, pensions, taxes, and a monthly income plan built around your life.See how it works →
Generational wealth strategiesFor larger estates and business owners. Pass it on by design, with your attorney and CPA working from one plan.See how it works →