Sign up to save your podcasts
Or
Share The American Retirement Advisor
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
The American Retirement Advisor
The American Retirement Advisor episodes
- Widowed in Your 60s: The Qualifying Surviving Spouse Tax Status and the Social Security Choice Almost Everyone Gets to Make
The sixties are when the widow's penalty does most of its quiet work. A tax filing status with a two-year clock. A first April filing alone. And a Social Security decision with two checks on the table, where the order you claim them in can be worth tens of thousands of dollars. Part two of The Widow's Penalty.
Read the full article: https://news.americanretirementadvisors.com/qualifying-surviving-spouse-tax-filing-status/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
18 min - Widowed at 55: What Happens to Social Security, Health Coverage, and the Plan You Built Together
Losing a spouse in your fifties comes with a rulebook most people never open until they need it. Survivor benefits that cannot start until 60. A remarriage rule with a hard birthday attached. A ten-year wait for Medicare. This week we walk the ages of widowhood, and we start with the hardest decade.
Read the full article: https://news.americanretirementadvisors.com/social-security-survivor-benefits-widowed-at-55/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
18 min - Passing On the House: Step-Up in Basis, Gifting Rules, and the Estate Tax Most Families Will Not Pay
Give the kids the house now, or leave it to them later? The tax code treats those two acts completely differently, and the difference can be worth six figures. The finale of The Fourth Color: step-up in basis, the gifting rules that surprise most families, and the estate tax fear most families can retire.
Read the full article: https://news.americanretirementadvisors.com/step-up-in-basis-gifting-house/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
17 min - The Tax Bill Hiding in Your House: Capital Gains on a Home Sale After 65
Many sellers still believe there is a special capital gains break once you turn 65. There is not, and the rule that replaced it has not grown in almost thirty years while home values have. Part two of The Fourth Color: what the sale really costs, and the Medicare surprise that follows it.
Read the full article: https://news.americanretirementadvisors.com/capital-gains-home-sale-over-65/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
22 min - The Fourth Color: When Real Estate Is Part of Your Retirement Income
Green, yellow, red. For years those three colors of money covered nearly everything. But for more retirees than ever, the biggest asset on the balance sheet is a house or a rental, and it plays by its own rules. Part one of a new three-part series.
Read the full article: https://news.americanretirementadvisors.com/rental-income-in-retirement-fourth-color/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
22 min - Putting It All Together: A Tax-Smart Way to Draw Your Retirement Paycheck
The window, the conversions, IRMAA, the Social Security surprise: they all run on one number, your taxable income. Here is how to pull them into a single plan, and the one reason couples should not wait. The finale of The Gap Years.
Read the full article: https://news.americanretirementadvisors.com/tax-efficient-withdrawal-strategy-retirement/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
25 min - The Social Security Tax Surprise: How Much of Your Benefit Is Taxable
Most retirees are surprised to learn their own Social Security can be taxed, and that up to 85 percent of the benefit can land in their taxable income. Here is how it works, and the new-law confusion to clear up. Part four of The Gap Years.
Read the full article: https://news.americanretirementadvisors.com/do-you-pay-taxes-on-social-security/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
23 min - Meet IRMAA: The Medicare Surcharge With a Two-Year Memory
IRMAA is the Income-Related Monthly Adjustment Amount, a surcharge that raises your Medicare premium based on income from two years ago. Here is how it works, and how a smart year can quietly trigger it. Part three of The Gap Years.
Read the full article: https://news.americanretirementadvisors.com/what-is-irmaa-medicare-surcharge/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
22 min - Filling the Bracket: The Roth Conversion Window Before Age 73
During the gap years your tax bracket has room in it. A Roth conversion lets you fill that room on purpose, paying tax at today's low rate instead of tomorrow's forced one. Part two of The Gap Years.
Read the full article: https://news.americanretirementadvisors.com/roth-conversion-before-73/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
22 min - The Gap Years: Often the Lowest-Tax Window of Your Life
The years between your last paycheck and age 73 are often the lowest-tax stretch you will ever see. Most retirees coast through and pay for it later. Part one of The Gap Years.
Read the full article: https://news.americanretirementadvisors.com/the-gap-years-lowest-tax-window-retirement/
American Retirement Advisors helps families in Arizona and Nevada navigate healthcare, retirement income, and inheritance planning. Want to reach out? Text us at (602) 281-3898, email [email protected], or visit https://americanretirementadvisors.com.
23 min
About The American Retirement Advisor
From the publisher's feed
Retirement should feel like freedom, not a puzzle. The American Retirement Advisor is your daily dose of straight talk on the three decisions that shape every retirement: your healthcare, your…
income, and your inheritance plan.
Each episode is a short, focused read of our latest article, drawn from real conversations with real families at American Retirement Advisors in Scottsdale, Arizona. No jargon. No sales pitch. Just the kind of advice you'd want from a trusted friend who happens to do this for a living.
Hosted by Ian Schaeffer, author of Medicare Made 123Easy, COO of ARA, and founder of 123Easy Studios. Articles read by Betty.
American Retirement Advisors has served over 14,900 families since 2001. Featured in Forbes, a 4-time America's Select Financial Advisors honoree, a 3-time Inc. 500, and a Nextdoor Neighborhood Favorite.
New episodes daily. Subscribe so you never miss one.
Read the full articles at https://news.americanretirementadvisors.com/