Retirement pillars

Health, happiness, productivity and financial planning.

The four pillars of a rewarding retirement


The world is a different place than when you came into it. The pace is faster. Many of the rules, values, and assumptions have changed. And people live longer –sometimes a whole lot longer.


Retirement is a new concept. In years past, men and women worked until they dropped. When Social Security decided on a retirement age of 65, that was about two years longer than the average life expectancy. Today, it is not unusual to live to be 90 and beyond. A couple at age sixty-five today has a better than 50/50 chance of at least one of them living to 92. For a growing number of people, remaining engaged and relevant is as big a challenge in retirement as having financial peace of mind.


We believe you understand how unique that approach is: Today’s media –TV, magazines, even radio – is saturated with banks and mutual fund companies telling you they have all the answers about money and retirement, the keys to the kingdom. What they never go near is discussing with you what your retirement life will be like. Will you have meaningful activities such as volunteering, tutoring, working at something new and challenging? Many people work for forty or more years in a career and never spend a heart-searching moment thinking about what happens the day after they stop going to work.


“First you become bored, and then you become boring. A life of total ease is one step away from a life of disease.” – Mitch Anthony, The New Retirementality


Retirement doesn’t have to be a spectator sport.


Exercise, a rich spiritual life, and rewarding social interaction keeps you vibrant. You have worked decades for the opportunity to make your own decisions and set your own pace. We want to help see that you have the freedom – the financial freedom – to make pleasurable decisions and perhaps even quicken the pace. Adding three or four hours of watching daytime TV is the single biggest change in retirement for many people. We don’t believe that’s you.

retirement pillars 2The four pillars of a financially strong retirement


Social Security


At America’s Retirement Store® our first step in helping clients develop a lifetime income plan is to help them understand their available Social Security benefits – and help structure those benefits in the most beneficial manner for themselves and their families.
There is a common misconception about Social Security– that somehow it is lower wage earners who have the greatest interest in them. While it is true that low wage earners may rely more heavily on income from Social Security, it is the affluent who have the more complex decisions to make: What age to file, how to manage “File & Suspend,” how Social Security income will impact your tax situation, and how to capture spousal benefits.


Federal Benefits and PERA


Federal employee benefits and public employee benefits for some scenarios are simple. For others – especially those in law enforcement or who have left federal or state service and returned, or those subject to the Government Pension Offset Reduction – it can be daunting. ARS has in-house expertise to help work through those issues with you.




One of the most confusing and stressful issues retirees face is knowing about and making informed decisions about their healthcare plan as they turn 65.


Here are the three most common Medicare questions: 1) When should I apply? 2) Do I need Part B? and 3) How do I decide about Medigap or Advantage Plan? Through educational seminars and individual conversations we work with individuals, couples, and families to understand how to have a healthy relationship with Medicare.


Investments and Retirement Funds


We often find that retirees and near-retirees ask the wrong question: How is the Stock Market doing? What they should be asking is, How am I doing? or, Will we be OK? Many households – even high wage earners – don’t know if they will be OK. We can help find answers to that critical question– and work through issues about taxes, inflation and spending needs in retirement.

“Money may not be everything in life, but it ranks right up there next to oxygen.”