AREF Mission

The mission of the American Retirees Education Foundation is to research, educate and inform retirees, future retirees and the general public on how best to protect and promote retirement income security and retiree health care. The Foundation will develop and advocate policy recommendations based on its research findings to relevant constituency groups, the media, the general public, and Federal and state policymakers.

AREF Mission Is Not…

we're not allowed to lobby members of Congress, their staffs or Congressional Committees. The bottom line is that the AREF is not allowed to lobby for passage of legislation or regulations.

AREF Is A Tax-Exempt Organization

The Internal Revenue Service (IRS) has approved the American Retirees Education Foundation (AREF) as a tax-exempt organization that is eligible to receive tax-deductible charitable donations. Click on the "Tax- Deductible Information" tab above to read and copy three important IRS approval documents.


AREF Chairman’s Message

AREF’s 2016 Key Actions

The American Retiree Education Foundation (AREF) in its second year of efforts to expand the research and education reach of the National Retiree Education Foundation (NRLN) has taken on a number of the tasks previously performed by the NRLN. This has made it possible for the NRLN to spend more time lobbying Congress and the Administration on issues and bills important to retirees.

The AREF Board hopes that the following actions by the AREF will demonstrate its value to the NRLN.

I hope you can tell from above that financial support to the AREF is essential to the NRLN carrying out its mission to protect retirement income security and reduce the cost of health care, particularly prescription drugs.

Congress Makes Qualified Charitable Distribution (QCD) Permanent

The American Retirees Education Foundation (AREF), created to expand the research and educational reach of the NRLN, welcomed the news that Congress has voted to make the Qualified Charitable Distribution (QCD) permanent. This means that IRA holders age 70-1/2 and older may make direct donations of up to $100,000 annually without first taking taxable withdrawals from their accounts.

QDC has been around since 2006 but always had a “sunset” provision leaving donors uncertain whether the provision would be renewed. Now that QCD has been made permanent donors are free make larger contributions before hitting the maximum tax deduction and carry forward limits.

Donating appreciated stocks could save even more money by being tax-deductible and avoiding capital gains taxes. While making a pre-tax contribution directly from an IRA to a charity can be beneficial, donating appreciated securities to a charity is superior for tax purposes.

The big benefit is keeping donations out of the adjusted gross income reported on your tax return. Higher adjusted gross income could push you into a higher marginal income tax bracket and increase taxes on your Social Security benefit. This is computed using what Social Security calls "combined income" – your adjusted gross income plus tax-exempt interest, plus half of your Social Security benefit.

When an individual's combined income exceeds $25,000 ($32,000 for joint filers), 50 percent of the excess amount is taxed as ordinary income. If an individual's combined income exceeds $34,000 ($44,000 for married couples), 85 percent of the excess amount is taxed as ordinary income.

Higher adjusted gross income can also trigger the high income surcharges on Medicare Part B premiums. The surcharges start at $85,000 in annual modified adjusted gross income for individual filers ($170,000 for joint filers).

This year, the extra premium charges range from $66 up to $285 monthly for the highest-income seniors.

Anything you donate through a QCD also helps satisfy the annual required minimum distributions that must be taken from IRAs starting at age 70-1/2. IRA owners who do not need the distributions for living expenses could avoid generating tax liability by donating that way.

The AREF, a 501(c) (3) tax-deductible, nonprofit education foundation (click here for IRS letter), is hopeful that many of you will take advantage of the QCD being made permanent. Please consider the AREF, P.O. Box 65001, Baltimore, MD 21264-5001 as being worthy of your support to expand the NRLN’s research and educational reach and to enable NRLN to sharpen its focus as an organization lobbying for the passage of federal legislation and regulations that benefit retirees.

Bill Kadereit, Chairman
American Retirees Education Foundation


American Retirees Education Foundation

The National Retiree Legislative Network (NRLN) formed the American Retirees Education Foundation (AREF) with the filing of Articles of Incorporation on October 18, 2014. The Internal Revenue Service has approved the AREF as a 501(c)(3) tax-exempt organization.

The NRLN Board authorized the creation of the AREF to expand the research and educational reach of the NRLN. As a 501(c)(3) educational foundation, the AREF is able to apply for grants from foundations and accept tax-exempt contributions and bequeaths from individuals. In December each year the AREF make an appeal to Americans for tax-deductible contributions.

The AREF uses a subscription to a database service to search thousands of foundations to determine which ones have the greatest potential of accepting grant proposals.

The NRLN President, Bill Kadereit, serves as Chairman and President the Board of Directors for the AREF with members Bob Tompkins, NRLN Vice President – Secretary Treasurer, Bob Martina, NRLN Vice President – Grassroots and Ed Beltram, NRLN Vice President – Communications.

The NRLN continues its role as a lobbyist using its whitepapes for changes in federal legislation and regulation that benefit retirees.

Click here to print an AREF donation form or access the webpage to make a donation with your credit card.



Bill Kadereit
Chairman & President
2308 Versailles Court
Heath, TX 75032


Robert Tompkins
600 Valley Drive
Milford, MI 48381


Bob Martina
Vice President – Grassroots
9870 Jennifer Lane
Shreveport, LA 71107


Ed Beltram
Vice President – Communications
420 Fairfield Lane
Woodland Park, CO 80863


Alyson Parker
Executive Director
2210 Windsor Road
Alexandria, VA 22307

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