No-Cost Educational Workshop · Cumming, GA
One Decision at the Social Security Office Cost Jim and Carol $180,000. There Was No Do-Over.
A no-cost educational class on getting Social Security right and turning your savings into a paycheck you can't outlive.
- Tuesday, September 15th 12:00pm (EDT)
- No cost
- 437 Pilgrim Mill RD, Cumming, GA, 30040
Tue Jun 23 & Thu Jun 25
$0 — nothing to buy
Marietta, GA
According to Social Security Administration data, nearly 6 in 10 people file for Social Security before their full retirement age, permanently locking in a smaller check. For a married couple, that one afternoon can also quietly reduce what the surviving spouse lives on for the rest of her life. And Social Security is only the first decision. The bigger question is the one almost nobody can answer: once the paychecks stop, exactly how much income will you have every month, how much of it is guaranteed, and how much of it will be taxed?
Curriculum:
- The Social Security Decision You Only Get to Make Once
- See the same earnings record claimed at 62, 67, and 70, and the $1,080-per-month difference between the smallest and largest check. For life.
- Understand why there’s no universal “right age,” and the six personal factors that determine the right answer for you: health, need, other assets, marriage, taxes, and whether you’re still working.
- Learn why this is one of the only major retirement decisions that is essentially irreversible.
- The Survivor Decision Hiding Inside Your Claiming Age
- When one spouse passes, one check stops. The survivor keeps the higher benefit, not both. Which means the higher earner’s claiming age becomes the surviving spouse’s income.
- See the real math: the same couple’s timing choice can mean a $259,200 difference to the surviving spouse over 20 years.
- Learn how couples coordinate claiming so both checks, and the one left standing, are as large as possible.
- How Much of Your Social Security Gets Taxed Is (Partly) Up to You
- Up to 85% of your benefit can be taxable, but how much is driven by your other income, which means you can plan around it.
- See one household with the same $100,000 income pay roughly $9,000, $2,873, or $0 in tax on their benefits, depending only on the order they draw from Social Security, IRAs, and Roth accounts.
- Georgia residents: learn about the state exemption many retirees here don’t realize they may qualify for.
- Your Income Gap: The Most Important Number in Retirement
- It’s simple subtraction almost nobody has done: what your ideal retirement costs, minus what’s guaranteed from Social Security and any pension. The difference is your portfolio’s one job.
- Learn the “floor first” framework: guaranteed income covers the essentials, so a bad market year changes your vacation, not your life.
- Understand why retirement has three phases (go-go, slow-go, no-go) and why a plan that works at 65 has to still work at 85.
- Turning Savings Into a Paycheck That Can’t Run Out
- Compare the four tools honestly: systematic withdrawals, dividends, bond ladders, and income annuities. What each does well, and where each can hurt you.
- See why the “4% rule” failed a retiree who started in 1966, and why the order of market returns in your first decade matters more than the average.
- See the historical data on all-bond “safety”: a 100% bond portfolio ran out of money in 40 of 69 thirty-year retirements.
- Permission to Spend: The Trap Nobody Warns Diligent Savers About
- Running out of money isn’t the only trap. Many retirees who saved well never let themselves enjoy it, because without a plan, every withdrawal feels like loss.
- Federal Reserve data: 77% of retirees with guaranteed income say they’re financially comfortable, versus 52% without. The difference isn’t the size of the nest egg.
- Learn how a written income plan turns anxiety into permission: to take the trip, spoil the grandkids, and sleep through the night in a down market.
You Did the Hard Part. Don't Lose It in the Last Mile.
Most people in this class have already done what matters most: they worked, they saved, they built something real. But the rules change the day the paychecks stop. Decades of skill at accumulating money don’t automatically translate into knowing when to claim, what order to withdraw in, or how to keep taxes and a bad market from eroding what you built.
The people who get this wrong aren’t careless. Like Jim, they simply didn’t know what they didn’t know, and no one stopped them to ask the right question before a permanent decision was made. That’s what this evening is for.
Join this No-Cost Educational Workshop to Learn:
- How claiming at 62, 67, or 70 changes your benefit, up to $1,080 a month, for life
- The survivor benefit decision that can mean $259,200 to the spouse left behind
- Why the same retirement income can produce a $9,000 tax bill on your benefits, or $0, depending on withdrawal order
- How to calculate your income gap and build a guaranteed “floor” that arrives on the 1st no matter what the market does
- Why “safe” all-bond portfolios historically failed more often than they succeeded, and what a smarter blend looks like
- Sandwiches and drinks provided at no cost
"We'd never been told how to plan around our tax bills — and we have a CPA and an advisor."
Cole & Louise, Virginia Beach, VA-
"I've been to things like this before. This was different — it was eye-opening."KevinKennesaw, GA
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"Not what I expected — much more thorough and educational." LaurenLive-stream attendee
Questions people ask
Is it really no cost?
Yes. There's no fee to register and nothing to pay at the door. The professional presenting the class covers the cost; it's their way of giving back to the community. You just show up and learn.
Will I be sold something?
No. Nothing is sold and no financial products are offered. These classes are 100% educational. The presenter may offer to meet privately afterward if you'd like to talk through your own situation, but that's entirely up to you and completely separate from the class.
Can I bring my spouse or a friend?
Please do, we'd encourage it! Retirement decisions usually get made by two people, and it helps to hear the same information together. Just add your guest when you register so we can save your seats. No cost for them either.
What if I can't make either date?
No problem at all. We add new classes regularly. Visit myretirementworkshops.com/class-near-you to see the full schedule and find a date that fits.
Do I need to prepare anything?
Not a thing, just come as you are. We'll have handouts waiting; bring a pen if you like taking notes. Leave your statements and account numbers at home. No one will ask for personal financial information, and you won't be put on the spot in front of the group.
Where & when
No-Cost Educational Workshop ·
One Decision at the Social Security Office Cost Jim and Carol $180,000. There Was No Do-Over.
A no-cost educational class on getting Social Security right and turning your savings into a paycheck you can't outlive.
Reserve Your Spot
Pick the date that works for you
Please register for the day that works best for you
Tuesday, September 15th 12:00pm (EDT)
We'll only contact you about this event. No marketing lists.
How attending works
Three simple steps
1
Reserve your seat
Pick an evening and add your details — about 30 seconds.
2
Get your reminder
We’ll send directions to the campus and a reminder before class.
3
Attend & take notes
Come with questions; leave with a checklist you can use right away.
Why this is different
Education first. Always.
It's a class, not a pitch
Nothing is sold — at the event or after. You come to learn; that’s the entire point.
Fiduciary-grade content
The same frameworks professionals use to coordinate tax, income, and withdrawals — explained plainly.
Proven with real people
2,550+ attendees educated, and 96% say they’d recommend it to a friend.
Reserve your seat for an evening worth your time.
No cost, no obligation, no marketing lists. Just one evening that could change what you owe for years.
reserve my seatSeats are limited by room capacity.
We'll only contact you about this class.
Please register for the day that works best for you
Please register for the day that works best for you
Tuesday, September 15th 12:00pm (EDT)
We'll only contact you about this event. No marketing lists.
Register for Class..
Invest in Yourself & Your Family's Future
In today’s environment of uncertainty, taxes are one aspect of your financial life that is controllable — if you understand the rules and know how to limit your tax exposure.
We look forward to hosting you!
Class offered on Tuesday
Please register for the day that works best for you