Retired in America

Your Guide to a Confident Retirement

Editorial Policy

Last Updated: February 2026

Our Commitment

Retired in America is dedicated to delivering practical, accurate, and accessible retirement information. This editorial policy outlines how we create, verify, and maintain our content to serve you better.

Editorial Team & Approach

Our editorial team focuses on delivering research-backed information over individual credentials. We believe the quality and verifiability of our content matters more than the letters after anyone’s name.

We prioritize:

  • Practical applicability over theoretical complexity
  • Evidence-based guidance over trendy retirement tips
  • Clear, accessible language over financial jargon
  • Honest transparency about our process and limitations

Content Creation Process

Every article on Retired in America follows a six-step verification system:

1. Research

Before any article is written, we research the topic using authoritative sources:

  • Government agencies (IRS, Consumer Financial Protection Bureau, FTC, Social Security Administration, FDIC, SEC)
  • Professional organizations (CFP Board, National Foundation for Credit Counseling, FINRA)
  • Healthcare resources (Medicare.gov, Administration on Aging, Department of Health and Human Services)
  • Retirement-specific organizations (AARP, Pension Benefit Guaranty Corporation, Department of Labor)
  • Consumer protection resources (Consumer Reports, Better Business Bureau)
  • Peer-reviewed research in retirement planning, geriatrics, and consumer protection

2. Content Development

Our team uses AI-assisted writing tools (primarily Google Gemini) for initial research, drafting, and formatting. We’re transparent about this because we believe you deserve to know how your information is created.

AI tools help us:

  • Synthesize large amounts of research efficiently
  • Maintain consistency in structure and tone
  • Generate multiple approaches to common retirement challenges
  • Format content clearly and accessibly

3. Fact Verification

Every article undergoes human editorial review before publication. We verify:

  • Retirement guidance against current IRS regulations and Social Security rules
  • Medicare information against official CMS and Medicare.gov publications
  • Tax information against official IRS publications
  • Estate planning basics against current legal standards
  • Product recommendations against user reviews, expert testing, and fee structures
  • Mathematical calculations (benefit amounts, withdrawal rates, tax brackets)
  • Safety warnings about scams targeting seniors and predatory practices

4. Plain Language Review

We review every piece of content to ensure:

  • Complex retirement concepts are explained in everyday language
  • Technical terms (RMD, IRMAA, Medigap, COLA) are defined when first introduced
  • Instructions are clear, specific, and actionable
  • Content is accessible to readers of all financial literacy levels

5. Source Citation

Articles include citations to authoritative organizations and resources. We link to:

  • Government agencies and official publications
  • Professional organization guidelines
  • Consumer protection resources
  • Industry standards and best practices

This allows readers to verify our information and dive deeper into topics of interest.

6. Regular Review & Updates

Retirement regulations, Medicare rules, and best practices change frequently. We review and update our content:

  • Social Security & Medicare content — Reviewed annually for new benefit year changes
  • Tax content — Reviewed annually for new tax year changes
  • Rate-sensitive content — Reviewed quarterly (savings rates, annuity information)
  • Evergreen guides — Reviewed every 12–18 months
  • Immediate corrections — Updated as soon as errors are discovered
  • Regulatory changes — Updated within 30 days of significant changes

Use of Artificial Intelligence

We use AI tools (primarily Google Gemini) for:

  • Research assistance and source gathering
  • Article drafting and content development
  • Formatting and structural organization
  • Generating alternative approaches to common retirement challenges

All AI-generated content undergoes human editorial review for:

  • Factual accuracy against authoritative sources
  • Practical applicability in real-world situations
  • Safety considerations and appropriate warnings
  • Clarity and accessibility of language
  • Logical flow and completeness
  • Current regulatory compliance

We believe AI is a powerful tool that helps us create content more efficiently, but human oversight remains essential to ensure quality, accuracy, and real-world usefulness.

Quality Standards

Every piece of content must meet these standards:

Accuracy

  • Information verified against official government sources and professional standards
  • Medicare and Social Security guidance aligned with current rules and benefit amounts
  • Safety warnings included for scams targeting seniors, predatory practices, and financial risks
  • Common misconceptions addressed and corrected

Practicality

  • Solutions designed for real retirement budgets with real constraints
  • Multiple approaches for different income levels and situations
  • Time and effort requirements realistically described
  • Alternative strategies when the “best” approach isn’t feasible

Accessibility

  • Clear, jargon-free language
  • Step-by-step instructions when relevant
  • Examples using realistic dollar amounts
  • Mobile-friendly formatting

What We Cover

In Scope

  • Social Security optimization and claiming strategies
  • Medicare enrollment and coverage options
  • Retirement income planning and withdrawal strategies
  • Senior savings tips and discount programs
  • Estate planning basics (wills, trusts, POA)
  • Retirement lifestyle and community guidance
  • Tax basics for retirees

Out of Scope

  • Personalized financial advice for specific situations
  • Investment recommendations or stock picks
  • Complex tax situations (businesses, international)
  • Legal advice (lawsuits, contracts)
  • Medical advice or specific treatment recommendations

Corrections Policy

We take accuracy seriously. If we discover an error:

  1. We correct it immediately
  2. We add a dated correction note at the bottom of the article
  3. For significant errors affecting retirement decisions, we add a prominent notice at the top
  4. For safety-related errors (scam warnings, incorrect benefit information), we correct within 24 hours

Found an error? Please contact us at corrections@retiredinamerica.com

We aim to investigate and respond to all corrections within 72 hours.

Transparency & Disclosures

Affiliate Relationships

Retired in America may earn commission from purchases made through affiliate links in our articles. These commissions help support our content creation at no additional cost to you.

Our affiliate policy:

  • Affiliate relationships never influence our editorial recommendations
  • We only link to products we’ve researched and would recommend regardless of compensation
  • We include both affiliate and non-affiliate links in our content
  • We disclose affiliate relationships here and may include additional disclosures in individual articles

See our Advertiser Disclosure for full details.

Editorial Independence

Our editorial team maintains independence in:

  • Topic selection based on reader needs and search trends
  • Research and fact-checking processes
  • Product recommendations and reviews
  • Content updates and corrections

Business relationships do not influence editorial decisions.

Contact & Feedback

Your input helps us improve. Contact us for:

About Our Organization

Retired in America is operated by Inedit Agency S.R.L., based in Bucharest, Romania.

This editorial policy reflects our commitment to transparency, accuracy, and serving you — our readers — with practical, trustworthy retirement guidance for real life.