{"id":212929,"date":"2025-06-12T12:48:24","date_gmt":"2025-06-12T19:48:24","guid":{"rendered":"https:\/\/americanretirementadvisors.com\/?page_id=212929"},"modified":"2025-07-29T12:54:50","modified_gmt":"2025-07-29T19:54:50","slug":"about-us-2","status":"publish","type":"page","link":"https:\/\/americanretirementadvisors.com\/about-us-2\/","title":{"rendered":"About Us"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.27.4&#8243; background_color=&#8221;gcid-194fdc3b-0e7a-4922-905e-227db119fffc&#8221; background_image=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/TeamARA-1-1.png&#8221; background_position=&#8221;top_center&#8221; custom_padding=&#8221;100px||100px||false|false&#8221; global_colors_info=&#8221;{%22gcid-194fdc3b-0e7a-4922-905e-227db119fffc%22:%91%22background_color%22%93}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; 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(\/figma)--&gt;\"><\/span><span>Meet The Team Behind<br \/><\/span><span>American Retirement Advisors<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: center;\">&#8220;From my viewpoint\u2026 I could not be more proud of the team we have assembled and the partners we work with day in and day out. These are the people that make providing financial certainty to our clients 123 Easy!\u201d<br \/><strong>&#8211; David P. Schaeffer<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-194fdc3b-0e7a-4922-905e-227db119fffc&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-194fdc3b-0e7a-4922-905e-227db119fffc%22:%91%22background_color%22%93}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1200px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-41ae101c-b869-4996-affb-9d174bfce2f3&#8243; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-41ae101c-b869-4996-affb-9d174bfce2f3%22:%91%22background_color%22%93}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p class=\"p1\">\u201cThey offer a kind word and friendly voice when folks call in or visit any one of our offices.\u201d<\/p>\n<p class=\"p1\">&#8211; Ian Shaeffer<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-5d0c3e2e-9c0c-431e-9f94-ba8e6ea94560&#8243; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-5d0c3e2e-9c0c-431e-9f94-ba8e6ea94560%22:%91%22background_color%22%93}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p class=\"p1\">Our advisors are the top of the industry. Awarded as the best of the best by trade and compliance organizations alike. The planning team is comprised of product experts and Certified Financial Advisors assuring our clients the highest level of education and certification in preparation of our retirement plans.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1200px&#8221; custom_padding=&#8221;||2px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-003d9515-ea09-4cfb-b38e-c33b506b59a9&#8243; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-003d9515-ea09-4cfb-b38e-c33b506b59a9%22:%91%22background_color%22%93}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p class=\"p1\">Our team is assembled as a diverse group of individuals who bring their strengths together to serve our clients\u2019 needs. We have experts in accounting, document preparation, data management, data processing, engineering, nursing, marketing, strategic planning, financial planning, and client care.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-db47ecdb-1944-44c5-be4e-f54b082bdcbe&#8221; custom_padding=&#8221;30px|30px|30px|30px|false|false&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{%22gcid-db47ecdb-1944-44c5-be4e-f54b082bdcbe%22:%91%22background_color%22%93}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p class=\"p1\">These folks touch every aspect of our clients\u2019 journey. Our client care team are experts in understanding the worries and concerns of our clients.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-194fdc3b-0e7a-4922-905e-227db119fffc&#8221; global_colors_info=&#8221;{%22gcid-194fdc3b-0e7a-4922-905e-227db119fffc%22:%91%22background_color%22%93}&#8221;][et_pb_row column_structure=&#8221;1_3,2_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;980px&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/17.jpg&#8221; title_text=&#8221;17&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; text_line_height=&#8221;1.4em&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p class=\"p1\">David Schaeffer, Founder and CEO of American Retirement Advisors, is a published author and nationally recognized speaker with over 20 years of experience. He launched 123EasyMedicare to simplify retirement planning and expand transparency in insurance. David\u2019s holistic approach includes Medicare, retirement income, long-term care, and estate planning. He has personally guided over 18,000 individuals through CMS-approved workshops. Renowned for his unbiased advice, he specializes in Medicare, Social Security strategies, and inheritance planning, helping Americans retire with clarity and confidence.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>David P. Schaeffer<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Chief Executive Officer<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1200px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/18-1.jpg&#8221; title_text=&#8221;18&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; border_color_all=&#8221;gcid-7438e7b4-976f-4547-beb2-292a920a2942&#8243; global_colors_info=&#8221;{%22gcid-7438e7b4-976f-4547-beb2-292a920a2942%22:%91%22border_color_all%22%93}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Tammy Semler<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Senior Advisor<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Tammy Semler, a Medicare advisor with nearly 20 years of experience, specializes in long-term care, income, and legacy planning. Known for her client-first approach, she thrives on solving complex income challenges and providing comprehensive support throughout every stage of retirement.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/3-1.jpg&#8221; title_text=&#8221;3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px|0px|false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Marc D. Frye<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Senior Advisor (Nevada)<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Marc Frye has been guiding clients in Medicare and retirement planning since 1987, building on a legacy from his father\u2019s insurance practice. With over 30 years of experience, he now leads the Las Vegas office, providing expert, personalized strategies to individuals nationwide.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-About-us-1.jpg&#8221; title_text=&#8221;ARA About us (1)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Sharon Groves<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Healthcare Advisor<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>With 25 years of executive experience across government and private sectors, including work with the Pentagon and Commerce Department, Sharon Groves brings over a decade of Medicare advisory expertise. She patiently supports retirees in understanding their healthcare choices with clarity and compassion.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/5-1.jpg&#8221; title_text=&#8221;5&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Senior Advisor<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Kyle Jacobs<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">With 15 years of client-focused experience, Kyle Jacobs is a Certified Medicare Planner\u00ae specializing in legacy planning, Medicare, and retirement preservation. He delivers knowledgeable, personalized guidance tailored to each client\u2019s financial journey.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1200px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/2-1.jpg&#8221; title_text=&#8221;2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; border_color_all=&#8221;gcid-41ae101c-b869-4996-affb-9d174bfce2f3&#8243; global_colors_info=&#8221;{%22gcid-41ae101c-b869-4996-affb-9d174bfce2f3%22:%91%22border_color_all%22%93}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>David Edge<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"text-align: left;\">Senior Advisor<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>David Edge offers 35+ years in financial operations and leadership, including executive roles at Dollar Financial Group and Banco Popular. He served 12 years on FiSCA\u2019s national board, influencing compliance and regulatory standards industry-wide.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/ARA-About-us-1-1.jpg&#8221; title_text=&#8221;ARA About us (1)&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Ian Schaeffer<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Director of Operations<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Ian Schaeffer uses his process engineering background to streamline workflows, manage budgets, and lead strategic operations. He also strengthens the firm\u2019s brand online and provides expert guidance in Medicare, inheritance, and financial planning.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/16.png&#8221; title_text=&#8221;16&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Thea Schaeffer<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Director of Marketing<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>With two decades in Las Vegas and Chicago advertising, Thea blends artistic skill with strategy. A published illustrator and Director of Creative Strategy, she creates high-impact designs and targeted ads that elevate brand visibility and drive interest in retirement planning.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/7-1.jpg&#8221; title_text=&#8221;7&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Loraleigh Drummond<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Director of Public Relations \/ Accountability Coach<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Loraleigh leads brand strategy and messaging across all platforms, aligning communications with the firm\u2019s mission. As Accountability Coach, she guides clients through Beneficiary Box\u2122 sessions to stay organized with vital legacy documents, combining outreach, education, and personal support.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1200px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/10-1.jpg&#8221; title_text=&#8221;10&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Micah Larkin<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Director of Carrier Relations<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Micah Larkin maintains strong carrier relationships, ensuring quick, effective support for clients. From applications to billing concerns, he provides a friendly, responsive experience throughout their Medicare journey.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/11-1.jpg&#8221; title_text=&#8221;11&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Adam Frye<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;||0px|||&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Client Outreach Specialist<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Adam Frye, a Certified Medicare Planner\u00ae, provides informed, friendly guidance to new clients and plays a key role during Medicare\u2019s Annual Enrollment Period.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/4-1.jpg&#8221; title_text=&#8221;4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Joe Kinney<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p><span>Data Processor<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Joe Kinney\u2019s management experience supports secure, efficient data handling. 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_module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Practice Manager<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">If you have an inquiry, Judi works behind the scenes, expediously answering your emails and concerns with confidence and compassion.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;600px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/07\/ARA-About-us.jpg&#8221; title_text=&#8221;ARA About us&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Times New Roman||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;32px&#8221; text_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\"><span data-metadata=\"&lt;!--(figmeta)eyJmaWxlS2V5IjoiNjRlTlNBa3JEVUUzOWVURlNKcUFkTSIsInBhc3RlSUQiOjE1Njc1NTY3MjMsImRhdGFUeXBlIjoic2NlbmUifQo=(\/figmeta)--&gt;\"><\/span>Hannah Dunn<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;18px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Client Care Specialist (AZ)<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Work Sans||||||||&#8221; text_text_color=&#8221;gcid-a7c4972e-d272-4d79-826b-baca7424ec7c&#8221; text_font_size=&#8221;16px&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{%22gcid-a7c4972e-d272-4d79-826b-baca7424ec7c%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p style=\"text-align: left;\">Hannah Dunn provides warm, personalized support throughout the retirement planning process-by phone, email, or text she ensures every client feels informed and valued.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/americanretirementadvisors.com\/wp-content\/uploads\/2025\/06\/19-1.jpg&#8221; title_text=&#8221;19&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; 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These are the people that make providing financial certainty to our clients 123 Easy!\u201d- David P. Schaeffer\u201cThey offer a kind word and friendly voice [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:divi\/placeholder \/-->","_et_gb_content_width":"","footnotes":""},"class_list":["post-212929","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>American Retirement Advisors 800-568-1095 Expert Advice<\/title>\n<meta name=\"description\" content=\"American Retirement Advisors, David P. Schaeffer, Retirement Advisor, Retirement Defender, Insure your savings, Save your Savings from Wall Street. 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