AMERICAN RETIREMENT ADVISOR€¦ · Medicare pays for the following! Whether you have a Medicare...

AMERICAN RETIREMENT ADVISOR

1 www.AmericanRetire.com We can help! 877-220-1089 toll free

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Volume 12, Issue 6 Proudly Solving Retirement Challenges Since 2001 June, 2013

Conservative Investing

Financial Tip

Success Story

* * *

* * *

Feature Story……….............. 1

Why Am I Me? ……………. 3

Health Tip Of The Month……. 4

Conservative Investing........... 4

Did You Know…....…..……... 5

Success Story Of The Month.... 6

Client Quiz ..……………..… 7

Clients Of The Month...……......8

Planning Compass………..… 8

Financial Tip Of The Month...... 9

Recipe .……............................ 9

Our 2013 Team........................ 10

Classifieds ..……....….... 11 &12

Medicare Workshop………… 13

Investing Workshop ………... 14



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Please welcome David S. Edge to our practice and enjoy his new monthly column.

Stay tuned for the next segments!



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Health Tip of the Month

Conservative Investing

for Turbulent Times



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Did You Know? Our monthly feature of news and info to make your life easier and your money work harder, so you’re healthy all the time!

Medicare pays for the following!

Whether you have a Medicare Supplement

(Plan F) or a Medicare Advantage Plan, all

of the following medical services are

FREE.

Abdominal Aortic Aneurysm

screening

Annual Wellness Visit

Bone Mass Measurement

Cardiovascular Screening

Colorectal Cancer Screening

Diabetes Screening

Diabetes Testing Supplies

Influenza Vaccine

Hepatitis B Vaccine

HIV Screening

Mammogram

Medical Nutrition Therapy

Services

Pap Test & Pelvic Exam

Pneumococcal Vaccine

Prostate Specific Antigen (PSA)

test only

Smoking Cessation

And much more!

Benjamin Gets A Makeover The new $100 bill: Same old face, with

some high tech tweaks meant to thwart

counterfeiters.

After a three-year hiatus due to production

delays, America will finally be getting the

new $100 bill in their ATMs and bank

accounts in October.

The new bill will have several features the

Fed says will make life difficult for

counterfeiters, but should help retailers

identify fakes. They include a blue, 3D

Steve Jobs, Mark Zukerberg and Jack

Dorsey have used, and not just for

burning calories. Many successful

managers are saying that for whatever

reason, people opened up more and had

much more truthful conversations,

regardless if it was about business or

more personal.

Taking a walk (a walk and talk) can lead

to fresh perspectives; generate new

ideas; refresh the mind, body and soul;

and build rapport with team members –

as well as with people you may not

know well, or who have different

perspectives.

And if you fear you are not going to

have the correct notes from your meeting

you can always use your recording

device on your smartphone to keep a

record and reference at a later time.

eReaders Love to read but the books are getting a

little too heavy? The Amazon Kindle or

iPad are great lightweight travel

companions. Most public libraries offer

FREE Kindle books. Kindles start at just

$60 and if you have an iPad the kindle

application is free! Get a grandkid to get

you started, you’ll fall in love with

reading all over again!

security ribbon embedded with images

of bells that change to the number 100

when you tilt the note back and forth.

If you tilt it side to side, those images

move up and down.

There will also be a Liberty Bell

embedded in an inkwell on the face of

the note. Both are copper colored until

you tilt the note. Then, the bell will

change from copper to green.

The Fed spells out all the cool features

on its website. The $100 bill, the most

widely counterfeited U.S. note, was

last redesigned in 1996. The Fed says

you will not need to trade in your old

$100 notes for the new ones.

One thing that isn’t changing:

Benjamin Franklin’s face will still be

staring out at you as you help the U.S.

economy by handing him over to a

cashier. But he won’t be winking.

Walking Meetings For those working every day, it’s not

easy to fit exercise into hectic

schedules. So here’s something to try

next time you set up a one-on-one

meeting: ditch the chairs and get some

fresh air. The newest trend is “walking

meetings.”

It’s something that tech titans like



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Success Story of the Month The details of these stories have been changed to maintain confidentiality.



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This Month's Quiz

Are money market funds and money

market accounts the same?

A. Yes

B. No

________________________________________________

Answers To

Last Month's Quiz

How many currency notes (bills) are

printed every year?

A. 100 million

B. 1 billion

C. 8 billion

D. The answer is C. The U.S. mints print

eight billion currency notes (bills) each

year. If placed end to end, that’s enough

the wrap around the equator 30 times.

E. _________________________________________________

Send your answers to

[email protected]

The winner is selected from a hat.

Great Prizes every Month!

_________________________________________________

Congratulations to Last Month's Quiz Winner!

mailto:[email protected]



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A big Thank You goes out to Helma F. of

Phoenix, who referred her friends, Mr. and

Mrs. Joe C., of Scottsdale. Thanks for

your trust in us!

A new client herself, we are proud that

Barbara N. of Phoenix, trusted us enough

to recommend her friend, MaryAnn D. of

Phoenix. Thank You, Thank You!

Nancy and Mike H. of Phoenix, referred

their friends, Mr. and Mrs. Brian J, also of

Phoenix. Thank you! Thank you! for your

confidence!

We appreciate your trust in us, Ms. Karol

W. of Scottsdale, for referring Ms. Pat S.,

also of Scottsdale, to us. A big Thank You

to you.

Our thanks also go out to Michelle U. of

Scottsdale, for referring her friend, Virgina

M., also of Scottsdale, to our offices. We’ll

take good care of her!

We are happy to offer a gift for each and every

referral we are able to meet. The only thing your

friends have to lose is high premiums and that sinking

feeling that they just lost money when the market dips

again!

Clients of the Month

Please note, to protect your privacy we are listing first names and last

initials only! You all know who you are and we so appreciate you!

We appreciate your trust in us! For those referrals that resulted in a face-to-face meeting, enjoy lunch

or dinner on us. Check your mail box, your gift cards are on their way!

Medicare Beneficiaries are federally excluded from any program that compensates the beneficiary for recommending friends and

family, sorry it is the law.

http://www.irs.gov/pub/irs-pdf/p526.pdf

http://www.irs.gov/pub/irs-pdf/p526.pdf



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Ingredients

1 – 16 oz. can black beans, drained and rinsed

1/2 green bell pepper, cut into 2-inch pieces

1/2 onion, cut into wedges

3 cloves garlic, peeled

1 egg

Directions

1. If grilling, preheat an outdoor grill for high heat, and

lightly oil a sheet of aluminum foil. If baking, preheat

oven to 375 degrees F (190 degrees C), and lightly

oil a baking sheet.

2.

3. In a medium bowl, mash black beans with a fork

until thick and pasty.

4.

5. In a food processor, finely chop bell pepper, onion,

and garlic. Then stir into mashed beans.

6.

7. In a small bowl, stir together egg, chili powder,

cumin, and chili sauce.

8.

9. Stir the egg mixture into the mashed beans. Mix in

bread crumbs until the mixture is sticky and holds

together. Divide mixture into four patties.

10. If grilling, place patties on foil, and grill about 8

minutes on each side. If baking, place patties on

baking sheet, and bake about 10 minutes on each

side.

Serves: 4

20 minutes prep time

Permanent life insurance has many benefits other than the one most people

consider when purchasing. The most common reason to purchase permanent

life insurance is to provide income replacement for our heirs, certainly a

valuable feature, but not the only one.

Permanent life insurance contracts accumulate cash value. The policyholder

can use the cash value as a tax-sheltered investment (the interest and earnings

on the policy are not taxable), as a fund from which to borrow and as a

means to pay policy premiums later in life, or they can pass it on to their

heirs. Whole life, variable life and universal life are all types of cash-value

life insurance. Cash-value insurance is also known as permanent life

insurance because it provides coverage for the policyholder's entire life.

Permanent life insurance provides tax deferred growth, liquidity, in many

contracts guaranteed growth, a tax-free death benefit and creditor protection

for policy owners in the State of Arizona. Creditor protection is provided

through only a few financial instruments. In a litigious society like ours, the

risk of losing our assets to a court judgment is greater than ever. Assets that

provide creditor protection are increasingly more valuable.

Arizona life insurance beneficiaries who are deemed to have “insurable

interests” in the lives of another, other than those effecting the insurance or

their legal representatives, are “entitled to life insurance proceeds against the

creditors and representatives of the person effecting the insurance.”

A.R.S.20-1131(A).

This Arizona State statute that provides asset protection, another powerful

reason that explains why permanent life insurance has an important place in

our financial portfolios.

Recipe of the Month

Financial Tip of the Month

Black

Bean

Burgers

Paul Harding Advanced Planning Specialist With the stroke of a pen an estate

is created that spans generations.

Paul Harding is joining our Medicare Planning

team in the coming weeks. He brings years of

advanced tax and income planning experience.

Look for more articles in the future.



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Who are all these awesome people at American Retirement Advisors?

Our Certified Financial Planner is Tom Bugbee. He

brings years of financial planning experience. He

manages the day to day business of selecting and

trading securities for all of our clients. He is

responsible for implementing some of the strongest

strategies for capital preservation possible.

Dianna Harbaugh is one the most caring planners

you may ever meet. Not only is she certified with

every Medicare carrier in our area, she plans for

every contingency in our client’s life.

The most important person you may never see in

the office is Judi Lovato. If you have attended a

workshop, called our office or needed our services

she has touched your life. She is our Operations

Manager and keeper of all things important.

Another person that lurks around the office when

we are at home sleeping is our Director of

Technical Operations, Robert “Bobby” Scott.

Bobby keeps our computers, cell phones, video

phones, servers and encrypted systems running all

the time.

Herman Lovato has been with me since year 1 of

the firm. He is responsible for managing our

calendars and all clients scheduling. He finds

convenient meeting times for our clients and

planners.

At the front desk as our new Client Relationship

Manager is the one and only Erin O’Ferrell. She

brings her amazing determination and confidence to

manage client calls, cases and relations.

David Edge one of our top Medicare Planners. He

brings over 30 years of executive level experience in

the financial services industry. When he is not

helping client plans for Medicare and retirement he

is responsible for our franchising plans for 2014.

Sharon Colbert-Groves is one of our fully licensed

client care managers. She reaches out to just about

every one of our clients, just to say hi, every 90 days.

She is a tremendous asset and we are lucky to have

her talents on board.

Thomas Shultz, Branch Manager of the Futurity

First Insurance Group for Arizona. His team adds

value as our insurance brokerage house. They

continuously review every product from every

carrier to make sure we offer the BEST of the BEST

to our clients.

Nancy Monaco knows about service. As one of the

best Retirement Planners in the country, we are

honored to have her working directly with our top

clients as their fully licensed financial concierge.

Nancy personally manages every aspect of our top

clients’ relationship and personally oversees their

accounts.

8355 E. Hartford Drive

Second Floor, Suite 207

Inside Futurity First

Scottsdale, AZ 85255

602-281-3898

For GPS or Google maps

17255 N 82nd

St.


Our offices are conveniently located in the Northeast section of the valley.

North of Frank Lloyd Wright on Bell road.

East of Hayden and West of the 101.

One driveway north of East Bell road on North 82nd

Street. We are in the A.S.U. / W.P. Carey School of

Business building. Second floor, suite 207.



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Highest National Fixed Interest Rates

1 Year not currently available from any national carrier 2 Year 1.15% APR Life of S.W.

3 Year 1.40% APR North American Life


5 Year 2.95% APR Sentinel Life

6 Year 2.85% APR Equitrust Life


8 Year 3.00% APR Equitrust Life



Call 877-220-1089 for details.

Web Research Tools

www.123EasyHealthInsurance.com

Individual Health Insurance for

people under the age of 65--

compare side-by-side EVERY

plan from EVERY company.

www.123EasyMedicare.com

www.123EasyDental.com

Individual Dental Insurance.

Compare the major plans online.

Apply online, some plans issue

immediately!

www.123EasyIRA.com

www.InsuranceForYourKids.com

www.123EasyLife.com

Individual Term Life Insurance for

people of all ages. Instantly

compare quotes, from over 300

companies. Use our side-by-side

tools to see what most brokers will

not tell you!

Best Medicare Supplement Rates Non Smoker zip code 85255 $ 139.14 Plan “F” Age 65 Male $ 120.90 Plan “F” Age 65 Female $ 118.79 Plan “G” Age 65 Male $ 107.51 Plan “G” Age 65 Female $ 98.19 Plan “N” Age 65 Male $ 85.35 Plan “N” Age 66Female

$ 85.35 Plan “N” Age 65 Female

Medicare Part D

Prescription Drug Plans

There are 24 plans in

Maricopa county. How do

you select the plan that best

meets your needs?

www.Medicare.gov

Enter your drugs into their

database and the best answer

pops out like magic!

Income Account Growth from 05/2012 to 05/2013

Non Smoker zip code 85255 $ 139.14 Plan “F” Age 66 Male $ 120.90 Plan “F” Age 66 Female $ 123.56 Plan “G” Age 66 Male $ 107.51 Plan “G” Age 66Female $ 98.19 Plan “N” Age 66 Male $ 85.35 Plan “N” Age 66Female

Not a typo!

Non Smoker zip code 85255 $ 139.14 Plan “F” Age 67 Male $ 120.90 Plan “F” Age 67 Female $ 123.56 Plan “G” Age 67 Male $ 107.51 Plan “G” Age 67 Female $ 98.19 Plan “N” Age 67 Male $ 85.35 Plan “N” Age 67 Female

Not a typo!

Highest National CD Rates

3 Month 0.46% APY Everbank

6 Month 0.88% APY Doral Bank

1 Year 1.05% APY GE Capital Retail

2 Year 1.11% APY BAC

3 Year 1.33% APY Barclays

5 Year 1.75% APY Barclays

Banks listed include FDIC insurance up to $250,000/depositor.

Data collected from Bank rate.com 5/24-2013

Accurate as of 5/24-2013 zip code 85255

http://www.123easyhealthinsurance.com/

http://www.123easymedicare.com/

http://www.123easydental.com/

http://www.123easyira.com/

http://www.insuranceforyourkids.com/



http://www.123easylife.com/

http://www.medicare.gov/



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Local author and martial arts

instructor, Howie Bell has

recently published a book

based on the exercise

program he developed for

his dad. Simple Circles is a

great way to get those

muscles moving again and

stay ahead of the aging

process.

Order your copy today on

Amazon.com at

www.simplecirclesbook.com

Change someone’s life with a

simple gift of life giving exercise!

One Call.

COMPARE EVERY PLAN

Side by Side.

No Sales Tactics. Just the Facts.

We Take Care of it all!

Medicare Advantage Plans Maricopa County Arizona 2013

Call 602-281-3898 for details on each plan. www.123EasyMedicare.com

“Medicare Made 123Easy” receives a 5

star rating on Amazon.com! Our 1st book, available on Amazon.com or LuLu.com is

receiving rave reviews! Buy it from the publisher’s site and

save 20% off the Amazon or Barnes and Noble retail price.

With the collaboration of Author / Illustrator Ian Schaeffer,

we have created an entertaining introduction to the world of

Medicare, bringing to print a great new

character, Easy Eddie, who

delivers humor and levity to

the real life stories of

Americans using Medicare

services. Share the experience

of actual people who have

lived the answers to the same

questions and concerns facing

most folks approaching

Medicare.

Get your paperback

edition today at: http://www.lulu.com

Medicare Supplement Plans

Maricopa County Arizona 2013

Medicare Planning

“The process of selecting the most

appropriate Medicare plan is

more than just picking what your

friends says is the best.”

According the to the Best-Selling

author on the subject of Medicare

Planning, David P. Schaeffer

Schaeffer further states in his book

“Medicare Made 123 Easy” The

selection process is complicated by

the plethora of seemingly good

choices. He suggests a utilizing a

method outlined in the book of

gathering all of the pertinent

information about yourself before

going into the market place. Start

with the question. Do you have

doctors currently that are important

to your care? If so, you will want to

check every network in your area to

see which doctors are participating.

This is best done online. The goal of

the search is really to determine if

Medicare Advantage is going to be a

viable option or are you going to

need to select a Medicare

supplement which essentially allows

you to use any doctor regardless if

they participate in Medicare or not.

Look for his book on

Amazon.com or in your

public library.

http://www.simplecirclesbook.com/

http://www.lulu.com/spotlight/AmericanRetire





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30-Minute Presentation - Everything you need to know about Medicare

We explain how Medicare works and what to expect with each of the plan options.

We will discuss the elements of:

Medicare Parts A and B Medicare Advantage plans (Part C)

Prescription Drug plans (Part D) Medicare Supplements (Medigap)

Learn how to verify your doctor accepts the plan.

Learn how to calculate your prescription costs for the year.

Learn how company agents and independent brokers are compensated.

Learn how to receive our EXCLUSIVE easy to follow selection and comparison guide

Nine Locations for your Convenience

YOUR PRESENTER

For over 12 years, David Schaeffer has been advising folks just like you on how to navigate the mysteries of

Medicare. Thousands of retirees including past employees of American Airlines, Banner Healthcare, Boeing,

Honeywell, IBM, Intel, Pitney Bowes, and the State of Arizona have gone to Mr. Schaeffer for his expertise in

transitioning from group and individual health plans to Medicare.

You may recognize Mr. Schaeffer from his articles in “The American Retirement Advisor” or on Money Radio

1510am or as the Best Selling author of “Medicare Made 123 Easy.” Additionally, he has founded several online

self-service web sites to provide research previously not available to the general public, such as 123Easy

Medicare.com, providing side-by-side comparisons of every choice facing a person new to Medicare. Mr.

Schaeffer is one of only 7000 retirement planners to have been awarded the Certified Senior Advisor (CSA)

designation in the United States. This designation certifies his proficiency via a 20-part program covering retirement planning and finances

and, of course, healthcare planning. Mr. Schaeffer lives in Cave Creek with his wife, Thea, and their two children; when he’s not busy

educating retirees on ways to preserve their quality of life, he likes to work on lowering his golf handicap.

Do not miss this opportunity to hear one of Arizona’s most knowledgeable speakers

Medicare Informational

Workshop

For Free Seats Call Today 602-281-3898

University of Phoenix Chandler Learning Center

3075 W. Ray Rd

Chandler, AZ 85226

Monday, July 8th

5:30 p.m.

Peoria Public Library Sunrise Mountain Branch

21109 N. 98th Ave.

Peoria, AZ 85382

Wednesday, July 10th

5:30 p.m.

Scottsdale Community College Student Center, Copper Rm

9000 E Chaparral Rd.



5:30 p.m.

University of Phoenix Mesa Learning Center

1620 S. Stapley Dr.

Mesa, AZ 85204


5:30 p.m.

Scottsdale Public Library Appaloosa Branch

7377 E. Silverstone Dr.


Monday, July 22nd

5:30 p.m.

University of Phoenix Northwest Campus

2550 W. Union Hills Drive, Phoenix, AZ 85027 Tuesday, July 9

th

5:30 p.m.

Glendale Public Library Main Branch

5959 W. Brown St

Glendale, AZ 85302

Monday, July 8th

5:30 p.m.

Phoenix Public Library Mesquite Branch

4525 E. Paradise Village Pkwy N.

Phoenix, AZ 85032

Tuesday, July 23rd

5:30 p.m.

Phoenix Public Library Burton Barr

1221 N. Central Ave.

Phoenix, AZ 85004

Tuesday, July 9th

5:30p.m.



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Medicare & Long Term

Care

Wills/Living Wills/POA's

Long Term Care

Term Life vs Whole Life

Gifting/Grand Kids Education

Save Money for Retirement

Burial/ Funeral

Arrangements

“Where Do I Really

Find Information I

Can Trust??”

“How do I Choose?”

University of Phoenix

Chandler Learning Center

3075 W. Ray Rd.

Chandler, AZ 85226

Thursday, July 25th

10:30 a.m.

Directions On the corner of W. Ray Rd & S. Price Rd,

West of Loop 101.

Map on the backside

Phoenix Public Library

Mesquite Branch

4525 E. Paradise Village Pkwy

Phoenix, AZ 85032

Thursday, July 25th

5:30p.m.

Directions South side of Paradise Village Parkway just

north of Paradise Mall

Map on the backside

Dates and Times

This is a FREE community event!

“Facility or Homecare?

Why or Why Not?”

“Will I Outlive My

Money??”

Health & Finance

“College Funding?

Wedding? Down

Payment?”

Educational Workshop

“



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“The hour I

invest in you

may have no

effect on my

life, but it could

change yours

forever.”

-- David P. Schaeffer

Your Name __________________________

Address ____________________________

City _______________ St____ Zip_______

Phone_____________________________

Email ______________________________

Cut here Cut here

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I bet you

have a friend

that would

enjoy a free

subscription

to our

newsletter!

Cut here

My Friend would like a free subscription

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Please send my friend a free subscription to your newsletter!

Name _____________________________

Address ___________________________

City ______________ St____ Zip_______

Phone________________

Email_________________________

Cut here Cut here

Please register me for a free gift for

referring my friend!

My Name is__________________

I am already a client!

I am not currently a client! My

phone # is _______________

Exclusive Special Reports On These Important Topics!

Market’s Up, Should I Stay Or Should I Go?



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AMERICAN RETIREMENT ADVISORS

4909 E. ARMOR ST

CAVE CREEK, AZ 85331

NO POSTAGE

NECESSARY IF

MAILED IN THE

UNITED STATES

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AMERICAN RETIREMENT ADVISORS

4909 E. ARMOR ST

CAVE CREEK, AZ 85331

NO POSTAGE

NECESSARY IF

MAILED IN THE

UNITED STATES

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AMERICAN RETIREMENT ADVISOR€¦ · Medicare pays for the following! Whether you have a Medicare...

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Transcript of AMERICAN RETIREMENT ADVISOR€¦ · Medicare pays for the following! Whether you have a Medicare...