At American Retirement Pros, we are purpose-built to work alongside the other professionals in your clients’ lives. We fill the retirement protection gap that often falls between the cracks of every other discipline.
The Questions Nobody Is Answering
- How do we turn this portfolio into guaranteed income that can’t be outlived?
- What is the exact tax impact of each withdrawal strategy over 20+ years?
- What happens to the surviving spouse’s income if one partner needs long-term care?
- How do we minimize the tax burden our children inherit along with our assets?
- Are we converting the right amount to Roth each year to avoid bracket creep?
- Is there a long-term care event waiting to wipe out everything else we’ve built?
How We Work With Each Member of the Team
CPAs & Tax Accountants
We extend your tax strategy into retirement.
We provide multi-year Roth conversion modeling, RMD projection and timing, Social Security and withdrawal sequencing, and tax-efficient income layering across all account types.
What stays with them:
Full ownership of annual tax preparation, filings, and client tax relationships.
Money Managers & Investment Advisors
We protect the income layer so you can focus on growth.
We build the guaranteed income foundation that protects clients from sequence-of-returns risk — allowing the investment portfolio to remain invested for growth without the pressure of funding every monthly expense.
What stays with them:
Full ownership of the investment portfolio, asset allocation, and growth strategy.
Estate Attorneys
We fund the legacy your documents are designed to protect.
We ensure permanent life insurance and Roth accounts complement the estate plan, minimize beneficiary tax burden, and ensure assets transfer as intended.
What stays with them:
Full ownership of legal documents, trust administration, and estate planning structure.
Tax Attorneys
We implement the retirement tax strategies you identify.
When clients face retirement-specific tax challenges — large IRA balances, RMD exposure, business sale proceeds — we provide retirement income and insurance expertise to implement protective strategies.
What stays with them:
Full ownership of legal tax strategy, complex tax law interpretation, and IRS matters.
General Financial Planners
We handle the retirement protection layer your practice may not specialize in.
We serve as a specialist resource for planners whose clients are approaching or entering retirement — providing deep expertise in guaranteed income design, long-term care risk, and legacy planning.
What stays with them:
Full ownership of the overall financial plan, client relationship, and all non-retirement-protection planning.
How Collaboration Actually Works
Introduction
When a client brings us in, we reach out directly to the existing professional team to introduce ourselves and explain our role.
Share Relevant Analysis
We provide other professionals with retirement protection analysis relevant to their work — tax projections for the CPA, beneficiary structures for the estate attorney.
Coordinate, Not Duplicate
We are explicit about our lane. We don’t provide legal advice, manage portfolios, or prepare tax returns. We focus on retirement income, protection, and tax-efficient legacy strategies.
Refer When Appropriate
If a client doesn’t have a needed professional, we refer them. We maintain relationships with qualified professionals across disciplines.
Ongoing Communication
As situations change, we proactively communicate with other professionals to ensure the retirement protection plan remains coordinated and current.
Let’s Work Together.
Whether you’re a client looking to bring your professional team together, or a professional looking for a retirement protection specialist to collaborate with, we welcome the conversation. We reciprocate referrals.