Lifetime Solutions, LLC.


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.​



Pension Elections

Estate Planning

  • Single-life plan. 

  • Single-life plan with a certain term. 

  •  50% joint-and-survivor plan. 

  • 100% joint-and-survivor plan.

  • Lump-Out Option

Social Security Help

  • When to file

  • Divorce Benefits

  • Survivor benefits

  • Spousal benefits

  • Taxes and Social Security

  • Disability

Widows, Divorced & Singles

  • Social Security Tips if Single

  • Why 60 is the Majic Number

  • Finding Assistance

  • Why Seeking Help is Okay

  • Retirement Accounts For Singles

  • Will or Trust​

  • Powers of Attorney​

  • Living Will 

  • Avoid disinheriting your family

  • Low Cost Options

  • Do's and Don'ts

Our Team

Michael J Eberhardt Sr

Arizona License # 2186166
Retirement & Income Specialist

Gilbert, AZ 85233


  • Black Twitter Icon

Michael J Eberhardt Jr

Retirement Income Analyst
Mesa, AZ 85208


  • Black Twitter Icon


91 W Baylor Lane | Gilbert, AZ 85233
480-726-8805 - 480-221-4264

  • Black Facebook Icon
  • Black Twitter Icon