The American Retirement Advisor

Many people do not have prescription drug coverage. Even people with coverage, like my family have an enormous deductable, which must be satisfied before coverage begins. This prescription drug discount program is endorsed by the State of Arizona and administered by RX America.  For folks in Ariz...

  Perception is a scary thing if not managed properly!   The gas shortage in the 1970’s. If everyone right now, this very minute, went to their nearest gas station and filled up…  We would have lines at the pumps and in 2 days every gas station in America would be out of gas.   The stock market c...

 Top 10 Reasons to Buy Life Insurance 1. You don’t know what will happen and you are not invincible 2. Provides financial support for your family 3. Spouse could become disabled after your death and unable to work 4. You might not qualify for insurance later 5. If you become terminally ill is do ...

 1. What is the difference between a Medicare Supplement and a Medicare Advantage Plan?                  This simple question has many answers. Click to watch this short video to learn the answers.   2. What is the difference between a Medicare Supplement offered by AARP and Physicians Mutual?   ...

 1. A Medicare supplement (Medigap plan F) from AARP or BCBS is better than a plan from another carrier.                  The federal government standardized Medigap plans in 1989. This made the plans a measurable commodity and exactly the same from every company. Since Medicare is your primary c...

1. How do I sign up for Medicare?                  If you are receiving Social Security income at this time, your Medicare card will arrive in the mail approximately 3 months prior to your 65th birthday, automatically.                  If you are not receiving social security at this time you wil...

This is an excerpt from a clients email sent in 8/13/2011. Hello, David, You helped my husband Donald with his supplemental health insurance needs before his lung transplant.  He is doing very well following his November 2010 surgery.  Do you remember him? I'll tell you what is happening with me ...

Employers and 401(k) plan administrators are likely keeping a little secret.   Most workers 59 1/2 and older can roll over 401(k) funds while they're still working and contributing to the plan. When it comes to rolling over money from a 401k plan while still working for the employer, the law allo...

  Freelancers, realtors and anyone else that receives a 1099 rather than a W2 face the same challenges any American faces when selecting an Individual or Family Health Insurance Plan. Link to selection document created in 2010. The initial search criteria begins with the health of the folks looki...

Working with pre and post retiree clients, I hear all kinds of justifications to avoid protecting one's lifelong savings from the skyrocketing costs of long term care. I personally don't like dealing with anything that is going to cost me money! I am sure you feel the same way. My client stated, ...