{"id":164,"date":"2012-02-15T12:01:17","date_gmt":"2012-02-15T19:01:17","guid":{"rendered":"http:\/\/123easyretire.com\/?page_id=164"},"modified":"2018-02-28T12:10:38","modified_gmt":"2018-02-28T19:10:38","slug":"the-american-retirement-advisor","status":"publish","type":"page","link":"https:\/\/americanretirementadvisors.com\/the-american-retirement-advisor\/","title":{"rendered":"Blog"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;3.0.101&#8243; custom_padding=&#8221;40px|0px|56px|0px&#8221; top_divider_style=&#8221;arrow2&#8243; top_divider_color=&#8221;#001359&#8243;][et_pb_fullwidth_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2018\/02\/TheAmericanRetirementAdvisor.png&#8221; _builder_version=&#8221;3.0.101&#8243; max_width=&#8221;70%&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;70px|||&#8221; 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type=\"text\/javascript\" data-for=\"FA__DOMContentLoadedEventDispatch\" src=\"https:\/\/www.tfaforms.com\/js\/FA__DOMContentLoadedEventDispatcher.js\" defer><\/script>\n                        <style>\n                    .captcha {\n                        padding-bottom: 1em !important;\n                    }\n                    .wForm .captcha .oneField {\n                        margin: 0;\n                        padding: 0;\n                    }\n                <\/style>\n                <script type=\"text\/javascript\">\n                    \/\/ initialize our variables\n                    var captchaReady = 0;\n                    var wFORMSReady = 0;\n                    var isConditionalSubmitEnabled = false;\n\n                    \/\/ when wForms is loaded call this\n                    var wformsReadyCallback = function () {\n                        \/\/ using this var to denote if wForms is loaded\n                        wFORMSReady = 1;\n                        isConditionalSubmitEnabled = document.getElementById('submit_button').hasAttribute('data-condition');\n                        \/\/ call our recaptcha function which is dependent on both\n                        \/\/ wForms and an async call to google\n                        \/\/ note the meat of this function wont fire until both\n                        \/\/ wFORMSReady = 1 and captchaReady = 1\n                        onloadCallback();\n                    }\n                    var gCaptchaReadyCallback = function() {\n                        \/\/ using this var to denote if captcha is loaded\n                        captchaReady = 1;\n                        isConditionalSubmitEnabled = document.getElementById('submit_button').hasAttribute('data-condition');\n                        \/\/ call our recaptcha function which is dependent on both\n                        \/\/ wForms and an async call to google\n                        \/\/ note the meat of this function wont fire until both\n                        \/\/ wFORMSReady = 1 and captchaReady = 1\n                        onloadCallback();\n                    };\n\n                    \/\/ add event listener to fire when wForms is fully loaded\n                    document.addEventListener(\"wFORMSLoaded\", wformsReadyCallback);\n\n                    var enableSubmitButton = function() {\n                        var submitButton = document.getElementById('submit_button');\n                        var explanation = document.getElementById('disabled-explanation');\n                        var isConditionalSubmitConditionMet = wFORMS.behaviors.condition.isConditionalSubmitConditionMet;\n                        if (\n                            submitButton != null &&\n                            (isConditionalSubmitEnabled && isConditionalSubmitConditionMet) ||\n                            !isConditionalSubmitEnabled\n                        )\n                        {\n                            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\/\/ and we need both done for this to function just check that they are\n                    \/\/ done to fire the functionality\n                    var onloadCallback = function () {\n                        \/\/ if our captcha is ready (async call completed)\n                        \/\/ and wFORMS is completely loaded then we are ready to add\n                        \/\/ the captcha to the page\n                        if (captchaReady && wFORMSReady) {\n                            \/\/ Prevent both concurrent and sequential executions\n                            if (window.isCreatingCaptcha || window.hasCaptchaRendered) {\n                                return;\n                            }\n                            window.isCreatingCaptcha = true;\n\n                            try {\n                                var submitButton = document.getElementById('submit_button');\n                                var formContainer = submitButton.closest('form') || submitButton.closest('.wFormContainer');\n                                var faCaptcha = null;\n\n                                if (formContainer) {\n                                    faCaptcha = formContainer.querySelector('#google-captcha');\n                                }\n\n                                \/\/ Also check if captcha was appended to body as fallback (look for FA-specific structure)\n                                if (!faCaptcha) {\n                                    var bodyCaptchas = document.querySelectorAll('body > #google-captcha');\n                                    for (var i = 0; i < bodyCaptchas.length; i++) {\n                                        \/\/ Verify it's a FormAssembly captcha by checking for specific structure\n                                        if (bodyCaptchas[i].querySelector('.captcha .oneField .g-recaptcha')) {\n                                            faCaptcha = bodyCaptchas[i];\n                                            break;\n                                        }\n                                    }\n                                }\n\n                                if (faCaptcha) { \n                                    if (faCaptcha.parentNode) {\n                                        faCaptcha.parentNode.removeChild(faCaptcha);\n                                    } \n                                }\n\n                            \/\/ Now create a new captcha container\n                            var captchaContainer = document.createElement('div');\n                            captchaContainer.id = 'google-captcha';\n                            \n                            var captchaDiv = document.createElement('div');\n                            captchaDiv.className = 'captcha';\n                            \n                            var oneFieldDiv = document.createElement('div');\n                            oneFieldDiv.className = 'oneField';\n                           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href=\"https:\/\/www.tfaforms.com\/form-builder\/4.4.0\/css\/wforms-layout-ie8.css\" rel=\"stylesheet\" type=\"text\/css\" \/>\n    <![endif]-->\n    <!--[if IE 7]>\n    <link href=\"https:\/\/www.tfaforms.com\/form-builder\/4.4.0\/css\/wforms-layout-ie7.css\" rel=\"stylesheet\" type=\"text\/css\" \/>\n    <![endif]-->\n    <!--[if IE 6]>\n    <link href=\"https:\/\/www.tfaforms.com\/form-builder\/4.4.0\/css\/wforms-layout-ie6.css\" rel=\"stylesheet\" type=\"text\/css\" \/>\n    <![endif]-->\n    <link href=\"https:\/\/www.tfaforms.com\/themes\/get\/50438\" rel=\"stylesheet\" type=\"text\/css\" \/>\n    <link href=\"https:\/\/www.tfaforms.com\/form-builder\/4.4.0\/css\/wforms-jsonly.css?v=1768535959\" rel=\"alternate stylesheet\" title=\"This stylesheet activated by javascript\" type=\"text\/css\" \/>\n    <script type=\"text\/javascript\" src=\"https:\/\/www.tfaforms.com\/wForms\/3.10\/js\/wforms.js?v=1768535959\"><\/script>\n    <script type=\"text\/javascript\">\n        if(wFORMS.behaviors.prefill) wFORMS.behaviors.prefill.skip = true;\n    <\/script>\n    <script type=\"text\/javascript\" src=\"https:\/\/www.tfaforms.com\/wForms\/3.10\/js\/localization-en_US.js?v=1768535959\"><\/script>\n\n<!-- FORM: BODY SECTION -->\n<div class=\"wFormContainer\" >\n    <style type=\"text\/css\">\n                #tfa_1875,\n                *[id^=\"tfa_1875[\"] {\n                    width: 250px !important;\n                }\n                #tfa_1875-D,\n                *[id^=\"tfa_1875[\"][class~=\"field-container-D\"] {\n                    width: auto !important;\n                }\n            <\/style><div class=\"\"><div class=\"wForm\" id=\"tfa_0-WRPR\" dir=\"ltr\">\n<div class=\"codesection\" id=\"code-tfa_0\"><style type=\"text\/css\">\n.wForm .primaryAction {\n    width: 100% !important;\n    text-align: center;\n}\n<\/style><\/div>\n<h3 class=\"wFormTitle\" id=\"tfa_0-T\">Subscribe to \"THE AMERICAN RETIREMENT ADVISOR\"<\/h3>\n<form method=\"post\" action=\"https:\/\/www.tfaforms.com\/api_v2\/rest\/workflow\/processor\" class=\"hintsBelow labelsAbove\" id=\"tfa_0\">\n<fieldset id=\"tfa_1872\" class=\"section\">\n<legend id=\"tfa_1872-L\">Contact Details<\/legend>\n<div class=\"oneField field-container-D    \" id=\"tfa_1876-D\" role=\"group\" aria-labelledby=\"tfa_1876-L\">\n<label id=\"tfa_1876-L\" for=\"tfa_1876\" class=\"label preField \">Select your State&nbsp;<\/label><br><div class=\"inputWrapper\"><span id=\"tfa_1876\" class=\"choices horizontal \"><span class=\"oneChoice\"><input type=\"radio\" value=\"tfa_1877\" class=\"\" id=\"tfa_1877\" name=\"tfa_1876\"><label class=\"label postField\" id=\"tfa_1877-L\" for=\"tfa_1877\">Arizona<\/label><\/span><span class=\"oneChoice\"><input type=\"radio\" value=\"tfa_1878\" class=\"\" id=\"tfa_1878\" name=\"tfa_1876\"><label class=\"label postField\" id=\"tfa_1878-L\" for=\"tfa_1878\">Nevada<\/label><\/span><\/span><\/div>\n<\/div>\n<div class=\"oneField field-container-D    \" id=\"tfa_1873-D\">\n<label id=\"tfa_1873-L\" for=\"tfa_1873\" class=\"label preField \">First Name&nbsp;<\/label><br><div class=\"inputWrapper\"><input type=\"text\" id=\"tfa_1873\" name=\"tfa_1873\" value=\"\" placeholder=\"\" title=\"First Name \" class=\"\"><\/div>\n<\/div>\n<div class=\"oneField field-container-D    \" id=\"tfa_1874-D\">\n<label id=\"tfa_1874-L\" for=\"tfa_1874\" class=\"label preField \">Last Name<\/label><br><div class=\"inputWrapper\"><input type=\"text\" id=\"tfa_1874\" name=\"tfa_1874\" value=\"\" placeholder=\"\" title=\"Last Name\" class=\"\"><\/div>\n<\/div>\n<div class=\"oneField field-container-D    \" id=\"tfa_1875-D\">\n<label id=\"tfa_1875-L\" for=\"tfa_1875\" class=\"label preField reqMark\">Email<\/label><br><div class=\"inputWrapper\"><input type=\"text\" id=\"tfa_1875\" name=\"tfa_1875\" value=\"\" placeholder=\"\" aria-required=\"true\" title=\"Email\" class=\"validate-email required\"><\/div>\n<\/div>\n<\/fieldset>\n<div class=\"actions\" id=\"tfa_0-A\">\n<div id=\"google-captcha\" style=\"display: none\">\n<br><div class=\"captcha\">\n<div class=\"oneField\">\n<div class=\"g-recaptcha\" id=\"g-recaptcha-render-div\"><\/div>\n<div class=\"g-captcha-error\"><\/div>\n<br>\n<\/div>\n<div class=\"captchaHelp\">reCAPTCHA helps prevent automated form spam.<br>\n<\/div>\n<div id=\"disabled-explanation\" class=\"captchaHelp\" style=\"display: none\">The submit button will be disabled until you complete the CAPTCHA.<\/div>\n<\/div>\n<\/div>\n<input type=\"submit\" data-label=\"Subscribe\" class=\"primaryAction\" id=\"submit_button\" value=\"Subscribe\">\n<\/div>\n<div style=\"clear:both\"><\/div>\n<input type=\"hidden\" value=\"783-22f1ea8cff72b17284686af6650652e9\" name=\"tfa_dbCounters\" id=\"tfa_dbCounters\" autocomplete=\"off\"><input type=\"hidden\" value=\"433336\" name=\"tfa_dbFormId\" id=\"tfa_dbFormId\"><input type=\"hidden\" value=\"\" name=\"tfa_dbResponseId\" id=\"tfa_dbResponseId\"><input type=\"hidden\" 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<\/div>\n<\/div>\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<style>.wForm form{text-align: left;}<\/style><!-- FORM: HEAD SECTION -->\n    <meta http-equiv=\"Content-Type\" content=\"text\/html; charset=utf-8\" \/>\n    <meta name=\"referrer\" content=\"no-referrer-when-downgrade\">\n    <!-- THIS SCRIPT NEEDS TO BE LOADED FIRST BEFORE wforms.js -->\n    <script type=\"text\/javascript\" data-for=\"FA__DOMContentLoadedEventDispatch\" src=\"https:\/\/www.tfaforms.com\/js\/FA__DOMContentLoadedEventDispatcher.js\" defer><\/script>\n                        <style>\n                    .captcha {\n                        padding-bottom: 1em !important;\n                    }\n                    .wForm .captcha .oneField {\n                        margin: 0;\n                        padding: 0;\n                    }\n                <\/style>\n                <script type=\"text\/javascript\">\n                    \/\/ initialize our variables\n                    var captchaReady = 0;\n                    var wFORMSReady = 0;\n                    var isConditionalSubmitEnabled = false;\n\n                    \/\/ when wForms is loaded call this\n                    var wformsReadyCallback = function () {\n                        \/\/ using this var to denote if wForms is loaded\n                        wFORMSReady = 1;\n                        isConditionalSubmitEnabled = document.getElementById('submit_button').hasAttribute('data-condition');\n                        \/\/ call our recaptcha function which is dependent on both\n                        \/\/ wForms and an async call to google\n                        \/\/ note the meat of this function wont fire until both\n                        \/\/ wFORMSReady = 1 and captchaReady = 1\n                        onloadCallback();\n                    }\n                    var gCaptchaReadyCallback = function() {\n                        \/\/ using this var to denote if captcha is loaded\n                        captchaReady = 1;\n                        isConditionalSubmitEnabled = document.getElementById('submit_button').hasAttribute('data-condition');\n                        \/\/ call our recaptcha function which is dependent on both\n                        \/\/ wForms and an async call to google\n                        \/\/ note the meat of this function wont fire until both\n                        \/\/ wFORMSReady = 1 and captchaReady = 1\n                        onloadCallback();\n                    };\n\n                    \/\/ add event listener to fire when wForms is fully loaded\n                    document.addEventListener(\"wFORMSLoaded\", wformsReadyCallback);\n\n                    var enableSubmitButton = function() {\n                        var submitButton = document.getElementById('submit_button');\n                        var explanation = document.getElementById('disabled-explanation');\n                        var isConditionalSubmitConditionMet = wFORMS.behaviors.condition.isConditionalSubmitConditionMet;\n                        if (\n                            submitButton != null &&\n                            (isConditionalSubmitEnabled && isConditionalSubmitConditionMet) ||\n                            !isConditionalSubmitEnabled\n                        )\n                        {\n                            submitButton.removeAttribute('disabled');\n                            if (explanation != null) {\n                                explanation.style.display = 'none';\n                            }\n                        }\n                    };\n                    var disableSubmitButton = function() {\n                        var submitButton = document.getElementById('submit_button');\n                        var explanation = document.getElementById('disabled-explanation');\n                        if (submitButton != null) {\n                            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                           for (var i = 0; i < bodyCaptchas.length; i++) {\n                                        \/\/ Verify it's a FormAssembly captcha by checking for specific structure\n                                        if (bodyCaptchas[i].querySelector('.captcha .oneField .g-recaptcha')) {\n                                            faCaptcha = bodyCaptchas[i];\n                                            break;\n                                        }\n                                    }\n                                }\n\n                                if (faCaptcha) { \n                                    if (faCaptcha.parentNode) {\n                                        faCaptcha.parentNode.removeChild(faCaptcha);\n                                    } \n                                }\n\n                            \/\/ Now create a new captcha container\n                            var captchaContainer = document.createElement('div');\n                            captchaContainer.id = 'google-captcha';\n                            \n                            var captchaDiv = document.createElement('div');\n                            captchaDiv.className = 'captcha';\n                            \n                            var oneFieldDiv = document.createElement('div');\n                            oneFieldDiv.className = 'oneField';\n                            \n                            var recaptchaElement = document.createElement('div');\n                            recaptchaElement.id = 'g-recaptcha-render-div';\n                            recaptchaElement.className = 'g-recaptcha';\n                            \n                            var errorDiv = document.createElement('div');\n                            errorDiv.className = 'g-captcha-error';\n                            \n                            var helpDiv = document.createElement('div');\n                            helpDiv.className = 'captchaHelp';\n    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              }\n                <\/script>\n                                    <script src='https:\/\/www.google.com\/recaptcha\/enterprise.js?onload=gCaptchaReadyCallback&render=explicit&hl=en_US' async\n                        defer><\/script>\n                <script type=\"text\/javascript\">\n                    document.addEventListener(\"DOMContentLoaded\", function() {\n                        var warning = document.getElementById(\"javascript-warning\");\n                        if (warning != null) {\n                            warning.parentNode.removeChild(warning);\n                        }\n                        var oldRecaptchaCheck = parseInt('0');\n                        if (oldRecaptchaCheck !== -1) {\n                            var explanation = document.getElementById('disabled-explanation');\n                            var submitButton = document.getElementById('submit_button');\n                            if (submitButton != null) {\n                     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type=\"text\/css\" \/>\n    <link href=\"https:\/\/www.tfaforms.com\/form-builder\/4.4.0\/css\/wforms-jsonly.css?v=1768535960\" rel=\"alternate stylesheet\" title=\"This stylesheet activated by javascript\" type=\"text\/css\" \/>\n    <script type=\"text\/javascript\" src=\"https:\/\/www.tfaforms.com\/wForms\/3.10\/js\/wforms.js?v=1768535960\"><\/script>\n    <script type=\"text\/javascript\">\n        if(wFORMS.behaviors.prefill) wFORMS.behaviors.prefill.skip = true;\n    <\/script>\n    <script type=\"text\/javascript\" src=\"https:\/\/www.tfaforms.com\/wForms\/3.10\/js\/localization-en_US.js?v=1768535960\"><\/script>\n\n<!-- FORM: BODY SECTION -->\n<div class=\"wFormContainer\" >\n    <style type=\"text\/css\">\n                #tfa_1875,\n                *[id^=\"tfa_1875[\"] {\n                    width: 250px !important;\n                }\n                #tfa_1875-D,\n                *[id^=\"tfa_1875[\"][class~=\"field-container-D\"] {\n                    width: auto 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class=\"primaryAction\" id=\"submit_button\" value=\"Subscribe\">\n<\/div>\n<div style=\"clear:both\"><\/div>\n<input type=\"hidden\" value=\"976-85955f300980585d0ba87fa6132269b6\" name=\"tfa_dbCounters\" id=\"tfa_dbCounters\" autocomplete=\"off\"><input type=\"hidden\" value=\"433336\" name=\"tfa_dbFormId\" id=\"tfa_dbFormId\"><input type=\"hidden\" value=\"\" name=\"tfa_dbResponseId\" id=\"tfa_dbResponseId\"><input type=\"hidden\" value=\"52535a4893cd94206dd90a1511ab2a7a\" name=\"tfa_dbControl\" id=\"tfa_dbControl\"><input type=\"hidden\" value=\"\" name=\"tfa_dbWorkflowSessionUuid\" id=\"tfa_dbWorkflowSessionUuid\"><input type=\"hidden\" value=\"1768535960\" name=\"tfa_dbTimeStarted\" id=\"tfa_dbTimeStarted\" autocomplete=\"off\"><input type=\"hidden\" value=\"http:\/\/app.formassembly.com\/rest\/forms\/view\/433336\" name=\"tfa_referrer\" id=\"tfa_referrer\"><input type=\"hidden\" value=\"6\" name=\"tfa_dbVersionId\" id=\"tfa_dbVersionId\"><input type=\"hidden\" value=\"\" 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