https://azirs.com/blog Expert Arizona retirement, annuity, Medicare, and Social Security insights from Arizona Insurance & Retirement Services (AZIRS). en-us © 2026 Arizona Insurance & Retirement Services, LLC info@azirs.com (AZIRS Advisory Team) info@azirs.com (AZIRS Advisory Team) Fri, 24 Apr 2026 23:04:55 GMT Fri, 24 Apr 2026 23:04:55 GMT 1440 Retirement Planning Annuities Medicare Social Security https://d64gsuwffb70l.cloudfront.net/69e242e28061127f3d57bf8f_1776990107100_b10ed034.jpg https://azirs.com/blog https://azirs.com/blog/fixed-indexed-annuities-explained https://azirs.com/blog/fixed-indexed-annuities-explained Fri, 10 Apr 2026 00:00:00 GMT Annuities Fixed indexed annuities credit interest tied to a market index but guarantee your principal can never lose value due to market declines. Here's how they actually work. info@azirs.com (AZIRS Advisory Team) https://azirs.com/blog/social-security-claiming-strategies https://azirs.com/blog/social-security-claiming-strategies Sat, 28 Mar 2026 00:00:00 GMT Social Security Delaying Social Security from 62 to 70 can boost your monthly benefit by roughly 76%. But the right claiming age depends on health, marital status, and other income. info@azirs.com (AZIRS Advisory Team) https://azirs.com/blog/secure-20-act-rmd-changes https://azirs.com/blog/secure-20-act-rmd-changes Sun, 15 Mar 2026 00:00:00 GMT Tax Planning The RMD age moved from 72 to 73 in 2023 and jumps to 75 in 2033. The missed-RMD penalty dropped from 50% to 25%. Here's what it means for your plan. info@azirs.com (AZIRS Advisory Team) https://azirs.com/blog/medicare-enrollment-avoid-penalties https://azirs.com/blog/medicare-enrollment-avoid-penalties Sun, 22 Feb 2026 00:00:00 GMT Medicare Miss your Initial Enrollment Period and you could face permanent Part B and Part D penalties — for every month you were eligible and did not sign up. info@azirs.com (AZIRS Advisory Team) https://azirs.com/blog/arizona-school-district-retirement https://azirs.com/blog/arizona-school-district-retirement Thu, 05 Feb 2026 00:00:00 GMT Employer Plans Teachers and district staff in Arizona have access to ASRS pension, 403(b), and 457 plans. Combining them correctly can add hundreds of thousands to retirement. info@azirs.com (AZIRS Advisory Team) https://azirs.com/blog/guaranteed-income-longevity-risk https://azirs.com/blog/guaranteed-income-longevity-risk Sun, 18 Jan 2026 00:00:00 GMT Retirement Planning A 65-year-old couple has a 50% chance at least one spouse lives past 92. Running out of money is a bigger risk than a market crash — and annuities solve it. info@azirs.com (AZIRS Advisory Team)