The American Retirement Advisor

A policy on a young child or grandchild can lock in lifelong insurability and quietly build a pool the next generation can borrow against. Here is how the family bank works, and the honest catch. The finale of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/whole-life-insurance-for-grandchildren/

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.

A life insurance policy you own is counted in your taxable estate, which can quietly add to the very tax bill you hoped to cover. A special kind of trust is the fix. Part six of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/irrevocable-life-insurance-trust-explained/

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.

When a large estate owes federal tax, the bill is due in cash within nine months, and the extension to file is not an extension to pay. Here is how life insurance keeps families from a fire sale. Part five of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/life-insurance-to-pay-estate-tax/

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.

Most people retire with nearly all their savings in accounts the government still gets to tax. Life insurance can quietly build a third bucket that it does not. Part four of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/using-life-insurance-for-tax-free-retirement-income/

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.

Almost 70 percent of people turning 65 will need long-term care, and Medicare will not cover most of it. Some life insurance can step in while you are still living. Part three of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/life-insurance-with-long-term-care-benefits/

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.

Some life insurance quietly builds a pool of money you can borrow against, tax-advantaged, for anything you want. Here is how cash value actually works, and the honest truth about whether it is worth it. Part two of More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/cash-value-life-insurance-explained/

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.

A Father's Day reflection on the most valuable thing my dad ever gave me, which was never going to show up on any account statement.

Read the full article: https://news.americanretirementadvisors.com/fathers-day-the-real-inheritance/

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.

The honest answer is: it depends on the job you need it to do, and for some people it is no. Here is how to tell which side you are on. The first in our series, More Than a Death Benefit.

Read the full article: https://news.americanretirementadvisors.com/do-i-need-life-insurance-in-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.

The worst time to assemble a coordinated team is in the middle of a crisis. The best time is now, while everything is calm. The finale of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/build-your-financial-team-before-you-need-it/

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.

Most wealth passes at death, when heirs are in their sixties and need it least. There is a strong case, and some surprisingly generous tax rules, for giving while you are here to see what it does. Part six of Both Ends of the Table.

Read the full article: https://news.americanretirementadvisors.com/giving-children-inheritance-while-alive/

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.