We do more than Medicare.
You picked up our card in the office. Here is the fuller picture behind it.
In 2026 the federal estate tax exclusion is $15,000,000 per person. The amount above it can be taxed at rates up to 40%, and a revocable living trust, by itself, does not lower that.
Generational wealth is the advanced end of our inheritance work. We plan and coordinate. Your estate attorney and your CPA execute.
The exclusion is $15,000,000 per person for 2026, and taxable gifts you made during life count against it. We show you where your estate stands against that line today, and where it is heading.
Read: The Nine-Month Problem That Forces Families to Sell What They Love →A revocable living trust can help your family avoid probate. Moving money out of your taxable estate is a different job, usually done with gifts or irrevocable trusts your attorney drafts.
Read: Understanding Revocable Trusts →A will does not create a buyer, a price, or a successor. We map the exit alongside the rest of your estate.
Listen: When the Problem Isn't Growth, It's Coordination →A policy you own counts in your estate. Owned the right way, often through a trust, it can stay outside your estate and give heirs cash when they need it.
Listen: Your Own Life Insurance Could Be Adding to Your Tax Bill →A charitable remainder trust can pay you income for life or a set term, then leave the rest to charities you choose. It is irrevocable, so it takes careful planning.
Read: Layering a Windfall Onto an Already-Full Plan →Property your heirs inherit generally takes a new basis at its value on the date of death. Giving it away during life can pass along your old basis instead, so timing matters.
Read: Passing On the House: Step-Up in Basis, Gifting Rules, and the Estate Tax Most Families Will Not Pay →Most adult children who inherit an IRA must empty it within 10 years, often in their own peak earning years. Where the money sits today shapes what they keep.
Read: The Ten-Year Tax Bomb: What Your IRA Looks Like From Your Kids' Side →In 2026 you can give up to $19,000 to each person you choose, and gifts at or under that amount generally are not taxable gifts. Planned on purpose, gifting lets you watch the money help while you are here.
Read: Giving While You're Alive to Watch It →A new kind of IRA for children under 18. Grandparents can contribute, so we show you where one fits beside the rest of your gifting.
Generational wealth strategies, explained →Short answers to the questions families ask about passing on what they built.
Building wealth and passing it on follow different rules. Jason Tweet explains why the handoff needs its own strategy.
Jason TweetGenerational Wealth StrategistView Jason’s card →
David SchaefferFounder & CEOView David’s card →A segmented plan or a siloed plan isn't a plan.Jason Tweet
Jason Tweet leads our generational wealth strategies. He works alongside David Schaeffer, who founded American Retirement Advisors. Together they look at the whole picture, not one account at a time, then quarterback with your attorney and your CPA so every document says the same thing.
More on estate tax, trusts, inherited IRAs, and passing on a business.
Service · September 8, 2026Generational wealth strategiesHomes, accounts, businesses, and values handed to the next generation without losing them to taxes, probate, or confusion.Read →
Article · June 25, 2026The Nine-Month Problem That Forces Families to Sell What They LoveWhen a large estate owes federal tax, the bill comes due fast and in cash. How families plan so nothing gets sold.Read →
Guide · August 13, 2026Understanding Revocable TrustsWhat a living trust can and cannot do, including why it does not, by itself, reduce estate tax.Read →
Article · June 26, 2026Your Own Life Insurance Could Be Adding to Your Tax BillA policy you own can quietly add to the estate tax you hoped to solve. How ownership through a trust changes that.Read →
Article · July 5, 2026Passing On the House: Step-Up in Basis, Gifting Rules, and the Estate Tax Most Families Will Not PayGive the house now or leave it later? The tax code treats those very differently. Here is the difference.Read →
Article · July 14, 2026The Ten-Year Tax Bomb: What Your IRA Looks Like From Your Kids' SideWhat your IRA looks like from your kids' side, and why the inherited IRA clock can land in their highest-earning years.Read →
Guide · April 27, 2026The Roth Conversion PlaybookHow converting on your own schedule can shrink required withdrawals and leave heirs a lighter tax bill.Read →
Article · June 15, 2026When the Problem Isn't Growth, It's CoordinationOnce you have enough, the biggest risk is the gaps between advisors who never talk. Why coordination matters most.Read →
Article · June 13, 2026The Hardest Part of Passing On Wealth Isn't the MoneyThe families who keep wealth are the ones who prepared the people, not just the paperwork.Read →
Article · June 18, 2026Giving While You're Alive to Watch ItMost wealth passes when heirs need it least. The case for giving while you are here to watch it help.Read →Generous people often give the most expensive way. David shows how giving from an IRA or appreciated stock can work better.
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.
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.
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.
Yes. Medicare is often how families meet us. Income and inheritance are the rest of our work, and generational wealth is the advanced end of the inheritance side. You don't need to be a Medicare client to start.
No. Most of this work is about income tax on inherited accounts, probate, titles, and a business that needs a successor. Neither Arizona nor Nevada charges a state estate tax today, so the estate tax question here is a federal one.
Each spouse has one. When the first spouse dies, the unused part can pass to the survivor, but only if it is elected on a timely filed estate tax return. Your attorney and CPA handle that filing, and we make sure it is on the list.
Not by itself. A revocable living trust can help your family avoid probate, but what is in it still counts in your estate, because you can change or revoke it. Lowering estate tax takes different tools, drafted by your attorney.
Adam Frye from our client care team calls you to set a time with our team, in our office or on Zoom. Bring what you have. The will, the trust, and a list of accounts are a good start.
Tell us how to reach you and we will call to set a time. Rather talk now? Call 602-281-3898.
602-281-3898We typically respond within one business day.
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 →
Inheritance planningDon't leave your family guessing. Four guided sessions with David, the Beneficiary Box™, and a family meeting.See how it works →
