Maximizing Social Security & Minimizing Taxes in Retirement

Are you ready to take control of your retirement income?

Join us for an in-person educational class where we’ll walk through key Social Security strategies in a comfortable, classroom-style setting designed for learning, discussion, and real-life application.

In this session, we’ll cover:

✅ How Social Security benefits are calculated and when to apply to help maximize your lifetime income
✅ Strategies to get the most out of your benefits, including how your decision impacts your spouse and overall household income
✅ How Social Security fits into your broader retirement income plan
✅ Key tax considerations, including:
• How Social Security benefits are taxed under current law
• The impact of IRA withdrawals and RMDs on your benefits
• The “Social Security tax torpedo” and what it means for retirees
• Strategies to help reduce taxes over time through thoughtful income planning

One of the most important decisions you need to make before you retire is when and how to claim Social Security benefits. About half of retirees apply for Social Security as soon as they become eligible at age 62, but by doing so, they may significantly and permanently impact their lifetime income and benefits. The difference between the best and worst possible decision of when to start Social Security can exceed $100,000!

This important workshop will provide you with the latest information on important new rules & legislation that can affect the amount of retirement benefits you collect, as well as strategies for coordinating Social Security with other sources of retirement income.

This class is led by David Fontaine, CFP®, and is designed to help you feel more confident and informed as you make these important decisions.

Feel free to bring a guest who could benefit from a refresher on retirement planning.