Ask an Arizona retirement question.
No selling. No appointment. No commitment.
Your information isn't sold, shared, or added to any list.
What people ask me
- When should I actually claim Social Security?
- Will my spouse be okay if I go first?
- Do I have enough, or do I need to keep working?
- What happens to my Social Security if I remarry?
- Is a trust worth it, or is a will enough?
- How much of my retirement income gets taxed?
- What do I do with the 401(k) from my old job?
…and whatever yours is.
Some of what you ask me, I'll answer. Some of it, I'll tell you who to ask instead — a CPA, an attorney, someone with a securities license. I'm not going to pretend I'm all three.
How this works
So what's the catch?
A small one, and I'd rather you hear it from me than find it.
I'm an Arizona-licensed insurance agent. I'm not selling you insurance — not on this page, not on the call, not after.
If you need someone I'm not, I'll tell you who. If you hire them, I may receive a referral fee. It costs you nothing, and I'll tell you before I send you.
That's the catch. That's all of it. This is what I do with my time now.
Meet Ebby
I'm Michael "Ebby" Eberhardt Sr. Twenty-nine years, and most of them were spent at a table with other people's experts — the CPA, the estate attorney, the investment guy — all working on the same retirement, usually not talking to each other.
That's where I learned the thing I'm actually good at. I've seen what happens when the pieces don't fit. When the trust says one thing and the beneficiary form says another, and the beneficiary form wins. When someone claims at 62 because nobody ran the survivor math. When the old 401(k) sits untouched for eleven years because moving it seemed complicated.
I'm not your CPA and I'm not your attorney. But I've spent three decades watching what they do and where people get hurt in between them. Ask me your question. If it's mine, I'll answer it. If it isn't, I'll tell you who to ask — and what to ask them, which is usually the part nobody knows.
Ask me something.
No cost. Nothing to buy. No one calls you afterward.