Clear Solutions for
a Comfortable Retirement.
We work for you, not any single insurance company. We search the entire marketplace to protect your retirement income, optimize your Medicare, and keep your plan on track for life.
Why Families Choose Us
We work for you, not a sales quota. Here's what that looks like in practice.
Discovery Day, Not Decision Day
No pressure. No sales pitch. Your first meeting is about listening. We learn your goals, review your situation, and show you the math. Decisions come later.
Boutique Meets Institutional
The personal attention of a small firm, backed by a dedicated financial planning team powering every recommendation.
Independent and Unbiased
We work for you, not an insurance company. We search the entire marketplace, every carrier and every plan, to find what's actually best for your situation.
Everything Under One Roof
Medicare, income planning, investments, annuities, tax strategy, estate coordination. One team, one plan. And your Medicare guidance costs you nothing.
Your Advisor
Knows You
At American Retirement Advisors, you don't get a call center or a salesperson. You get an advisor who knows your name, your family, and your goals. Instead of telling you "this is great," we show you the math.
Founded in 2001, our advisors are backed by a dedicated financial planning team that prepares for every meeting. Our conservative projections have been within 1% accuracy over 20 years because we plan for reality, not best-case scenarios.
- Licensed, insured, and independently operated
- Same advisor relationship, every meeting, every call
- Advisors backed by a dedicated planning team
- In-person or via Zoom, full service nationwide
Comprehensive Retirement Planning
Every aspect of your retirement, from income and investments to healthcare and legacy, managed by one team that knows you.
Retirement Income Planning
Guaranteed income strategies designed so your paycheck never stops, built around Social Security, pensions, and personal savings.
Investment Management
Disciplined portfolio oversight for IRAs, 401(k) rollovers, and retirement accounts, aligned with your risk tolerance and timeline.
Financial Planning
Comprehensive plans built by our planning team covering taxes, Social Security timing, and estate coordination.
Annuity Planning
Access to top carriers like Athene, Global Atlantic, and Nationwide, structured for guaranteed income and principal protection.
Medicare Guidance at No Cost to You
We compare every carrier and every plan available in your area, including Advantage, Supplement, and Part D, and handle all the paperwork. This service costs you nothing.
Estate Coordination
Coordinated planning with trusted estate attorneys to protect your legacy and ensure your wishes are carried out.
Virtual Consultations
Full-service retirement planning from anywhere via Zoom. The same advisor, the same attention, no matter where you live.
Ongoing Client Reviews
Structured annual and semi-annual reviews keeping your plan current as markets shift and life changes.
Your Retirement Plan in 5 Steps
Whether it's income planning, Medicare, investments, or legacy planning, every client relationship starts the same way.
Discovery
We listen. What do you want to accomplish? What do you have, think you have, want to have? All you need to bring is a smile and an open mind.
Your Game Plan
Our team takes everything from discovery and builds your personalized plan. We show you the math, not a sales pitch.
Questions and Refine
You come back with every question you can think of. We sit together, talk it through, and refine the plan until it's right.
Implementation
We account for what stays, move what needs to be moved, and handle the paperwork. Our planning team does the heavy lifting.
Annual Review
We require at least one meeting a year. How do we know you're happy if we can't talk to you? Life changes. Your plan should too.
It all starts with a conversation. Your discovery session is at no cost to you, with no obligation.
Schedule Your Discovery SessionSee Our Offices
Step inside and meet the team before your first visit.
Real Families. Real Words.
Over 4,900 five-star reviews from families we've had the privilege of helping. Here are a few of their stories.
"I've been working with Mr. Schaeffer now for a good portion of 5+ years and not only am I always very impressed with the time he affords not only me but all his customers. His thoroughness and understanding of what our needs are and most importantly his whole team and staff are very polite, very professional and very responsive."
"I walked in absolutely terrified of retiring in the near future. I feared the strife of surviving on reduced income. After less than a half hour of clearly understood planning, I grabbed hold of David's hand for giving me hope and relief. David Edge TOTALLY, totally has my trust."
"I chose to trust them because they promised an unbiased process. They offer ALL medicare plans and have no vested interest in any particular plan. Marc was professional and caring. I was able to see three different plans side-by-side. This is the first place you should go."
"My wife had a very complicated Medicare scenario involving keeping her current oncology physician, moving to a different county, and cancer drug costs. Sharon was able to navigate us to the best possible Medicare program. We both have much more peace knowing our plan will take care of her."
"American Retirement Advisors is an AMAZING company!! My advisor is a Godsend. She is EXTREMELY knowledgeable, friendly, and efficient. I also love the fact that these meetings can be done virtually. So convenient! She makes you feel like you are her only client, and not just a number."
"Working with my advisor is the best thing I've done for myself in a long time. I had no vision as to what my retirement would look like. With her help, I no longer feel stressed about my future. I confidently chose Medicare and Social Security options as well as other financial products. I have a clear picture of good years ahead."
"Love working with him! He makes sense of the confusion. Gives you confidence in making the best decision for yourself. He truly treats you like family. True customer service that is rare to find. David is a great example of the values of the company."
"If all businesses were as professional and thorough, with such excellent customer service skills, I'd be so happy. I was referred to Marc Frye by his previous customer — now I see why! Even the receptionist was exceptional! I will be bringing all my business there along with all my senior friends."
"David is well informed about every avenue of Social Security and Insurance. He has answers to all your questions and breaks things down for us to understand. After attending a seminar that David gave I knew my husband and I could never figure all of it on our own. They also do investing and YES I am using these GUYS!"
"She's very personable. She knows me, as she has been doing my health care assessment since before my husband passed away. She takes the time to explain things until I understand. She always goes the extra mile with a smile and I never feel rushed."
"I met with David Schaeffer to review my Medicare plan. He was extremely professional, competent, highly intelligent, patient, knowledgeable in all areas, caring and kind. He took the time to answer all my questions beyond my expectations. They are the best in AZ. A trustworthy, exceptional company."
"Our advisor is the best in every way! We went to a seminar about Medicare many many years ago and I've never forgotten this team. My husband is retiring in two weeks and they have helped us every step of the way plus some. We could never have done this without American Retirement Advisors! They are the best of the best!"
4,900+ five-star reviews from real families across Arizona, Nevada, and nationwide.
Start Your Conversation TodayFrequently Asked Questions
Start Your Retirement Conversation
Today is discovery day, not decision day. We'll listen to your concerns, review your situation, and show you the options in plain English. No jargon, no pressure.
Schedule Your Consultation
Visit Us
Three offices across Arizona and Nevada, plus nationwide service via Zoom.
You're Not Meeting With a Salesperson.
You're Meeting With Us.
Schedule a consultation and see what independent retirement planning actually looks like. Conservative projections, the full marketplace, and a team that answers the phone.
Book Your ConsultationPrefer to call? (602) 281-3898
Yes, we really can make it 1-2-3 Easy.