American Republic Insurance Services has compiled the following resources that provide you with information on planning for a secure financial future.


Using Your HSA as a Retirement Investment Vehicle

You Can Work and Get Social Security at the Same Time

Protecting from Financial Elder Abuse


How long will my retirement savings last?
Use this calculator to see how long your retirement savings will last. This is based on your retirement savings and your inflation adjusted withdrawals.

Benefit of Spending Less
Reducing your spending can be worth more than you might think. Use this calculator to see just how much your budget reductions may be worth, if you were to invest them. View the value of this new potential nest egg both with and without taxes factored in.

Savings Calculator
Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator demonstrates how to put this savings strategy to work for you.

Home Budget Analysis
Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent. In addition, you can click the "View Report" button to compare your budget breakdown to our targets, which can help identify areas for improvement.

Retirement Income
Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement's monthly income. View the full report to see a year-by-year break down of your retirement savings.


Government Agencies

Social Security Administration
The Official Website of the U.S. Social Security Administration

Medicare is the official site for the government's Medicare program.


Understanding Medicare
This brochure provides a clear understanding of what Medicare does and does
not cover, including an easy-to-read chart that illustrates what healthcare costs
you would be responsible for paying, in full or in part.

Be Informed. Be Smart. Be Secure.  
This brochure provides compelling reasons and stories about the philosophy
and practices of American Republic Insurance Services and its representatives
in meeting your life and health insurance needs in retirement.

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Find a Representative
in your community
Every day for the next two decades, roughly 10,000 individuals will turn 65.  The biggest wakeup call will be that when they retire, they will now be fully responsible for their healthcare expenses.