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.

AmazonSmile Program to Benefit the American Retirees Education Program (AREF)

The National Retiree Legislative Network (NRLN) board created the American Retiree Education Foundation (AREF) in 2014 as a 501(c)(3) tax-deductible, nonprofit education foundation to expand the research and educational reach of the NRLN and to enable NRLN to sharpen its focus as an organization lobbying for the passage of federal legislation and regulations that benefit retirees.

The AREF is always seeking ways to increase its funding through individual tax-deductible contributions, grants from public and private foundations, individual tax-deductible bequests and non-traditional ways. AREF funds pay for a number of tasks previously paid for by the NRLN. For example, the updating this month of the white paper on Protecting Pension Assets which is used to educate members of Congress on the need for legislation to prevent pension plan sponsors from using plan assets for non-pension expenses. Access the white paper here.

The AREF has identified a non-traditional way that you can help fund the AREF without costing you anything extra if (when) you make a purchase online from Amazon through its AmazonSmile program designed to provide a percentage of a purchase price to qualified non-profit organizations, such as the AREF. I urge you to read the following information and help provide funding to the AREF should you make an Amazon purchase. Click here to learn more about AmazonSmile.


AREF Chairman’s Message

AREF Research and Education Report for 2017

The American Retiree Education Foundation (AREF) continued its efforts in 2017 to expand its research and education reach for the benefit of aging Americans with concerns about their financial security now and in the future. The AREF continues to conduct research and analysis on the impact of eroding financial assets of retirees due to diminishing pension plan assets, increasing costs of prescription drugs, Medicare regulations which limit transparency of healthcare costs and threats to future benefits as well as the stability Social Security.

The AREF is 100% legitimate tax-deductible nonprofit with the IRS number of EIN 47-2146998 that seeks individual tax-deductible donations and bequests and solicits grants from public and private foundations. If you are interested in including the AREF in a will or trust see your tax advisor. Contact, or call AREF toll free at 866-360-7197 for additional information.


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


Janet Seefried
3000 East 13 Mile Road
Warren, MI 48092


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


Joe Sciulli
Vice President - Social Media
517 St. James Ct.
Langhorne, Pa. 19047

  Suggestions and comments about this website should be addressed to November 2, 2019