Retirement Right

Trusted Retirement & Estate Planning for Arizona Families

Your future deserves more than guesswork. At Retirement-Right.com, we help you secure income, preserve assets, and leave a lasting legacy—with strategies built for safety, simplicity, and peace of mind.

Trusted Insurance & Retirement Planning with Over 20 Years of Expertise

Providing an extensive range of insurance and retirement services, we pledge to honor our commitments to the public by holding ourselves to the highest ethical standards. We encourage personal growth and life planning through exceptional service and competitive product offerings.

Owner Michael J Eberhardt, Arizona resident since 1983, and licensed agent since 1996. With more than 20 years of Social Security, Income, Financial and Estate Planning experience.

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Maximizing Social Security: MMEFRC1030

Maximizing Social Security: MMESB1025

Maximizing Social Security: MMECNC1011

Maximizing Social Security: MMEDCL1007

Maximizing Social Security (MMESL0823)

Maximizing Social Security (MMEDCL0820)

Check Out Our Videos

Life Insurance 101

Learn how policies operate, including premium payments, death benefits, and participation during claims.

Compound Interest

Learn how how compound interest works and why it’s often more beneficial than simple interest.

Indexed Universal Life Insurance

Learn how Indexed Universal Life Insurance (IUL) can capture market growth while providing protection from market losses.

Guaranteed Lifetime Withdrawal Benefit

Learn how Guaranteed Lifetime Withdrawal Benefit is good for you.

Why Invest Early?

Procrastinating is one of the most damaging things you can do when it comes to your retirement savings.

Diversification

Learn About Diversification.

Women And Retirement

Learn about Women and Retirement.

Long-Term Care Insurance 101

Learn About Long Term Care Insurance.

Downside Protection With Upside Potential

By combining downside protection with upside potential, indexed annuities can provide the balanced, sensible investment approach retirement savers are seeking.

Understanding Indexed Annuities

When considering your plan for retirement, indexed annuities can add balance and give you some peace of mind— no matter what happens on Wall Street.

Impact Of Taxes

The biggest difference between the wealthy and the middle class is the time the wealthy spend thinking of ways to minimize their taxes. Learn how taxes can make an enormous impact on your retirement savings, and how to minimize that impact.

Living Benefits: The Smartphones of Life Insurance

Are you still protecting your family and finances with the "old kind" of life insurance that only pays out if you die? Living Benefits life insurance is the new, evolved kind of life insurance.

Disability Insurance 101

Learn more about disability Insurance.

Annuity Education

Learn more about Annuity.

The Power of Compounding

Learn more about the power of compounding.

The 4% Rule

You will learn about the 4% rule. This is also known as the Safe Withdrawal Rate - or basically the rate at which you can spend your money without ever running out of money.

The Rule Of 72

Learn how to use the Rule of 72 to determine how long it will take your money to double in any interest-bearing account. Knowledge is power!

Retirement Income

Learn more about Retirement Income

Getting Started with Retirement

Learn more about getting started with retirement.

Services

Helping you in all areas of retirement planning

Retirement Planning

No matter where you are in life, we can provide you the guidance, tools, and services to help prepare for retirement on your terms.

Annuities

Are you in or near retirement? Learn how annuities can help generate a reliable stream of income or increase your current savings.

Insurance Reviews

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy.

Income Strategies

Learn about income strategies for guaranteed lifetime income that can help you maintain your lifestyle now and in retirement.

Life Insurance

A reliable insurance strategy could help protect you and your family from the financial consequences of major life events.

Social Security Optimization

We can help you understand your Social Security benefits and educate you on how you can maximize those retirement benefits.

Tax Planning

Understanding how tax strategies are used to manage your tax bill should be a major part of any reliable financial approach.

Money Management

One of the keys to a reliable financial strategy is spending less than you take in, and then finding a way to put your excess to work.

Investment Strategies

Investing is about proper planning to achieve your financial goals: retirement, paying college, or just providing for your family.

Employee Benefits

Creating a plan that balances the goals of both the organization and its employees requires thorough analysis and review of benefit options and costs.

Long-Term Care

Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.

Estate Planning

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death.

Financial Education Courses

I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement.

Lifestyle Planning

Lifestyle matters look at how to balance work and leisure efficiently, how to make smart choices for the future, as well as many other items regarding how to help you enjoy the journey.

Get Started

Three ways to get started

Schedule a free, no-commitment phone call

Ask us a question via email