There's a difference between taking your financial cues from media outlets and learning the basics of retirement planning from a trusted, reliable, unbiased source. This course is designed to give you an exhaustive and comprehensive view of financial education while uncovering the many new pitfalls that threaten to derail many retirees in today's world. 

Why This Class Matters

Many of the retirement strategies utilized by your parents have grown outdated and may no longer apply to those looking to retire today. This class compares and contrasts the old retirement paradigms of yesteryear and the new paradigms of today as you prepare to retire in the New Reality™. 

You'll discover how to insulate yourself from the risk of rising taxes, protect your Social Security from taxation, and avoid common pitfalls as you distribute your assets in retirement. 

Perhaps most importantly, this class will teach you how to develop a personalized strategy as you confront the challenges of retiring in a rapidly changing world. 

You will discover how to:

  • Determine if you have enough money for retirement

  • Protect your assets in a rising tax rate environment 

  • Use the three basic types of retirement accounts to maximize cash flow in retirement

  • Evaluate the benefits of a Roth conversion

  • Maximize Social Security income

  • Guard your portfolio against stock market loss during retirement

  • Reduce or eliminate unwanted expenses or delays with estate planning

  • Understand if your portfolio is truly "diversified"

  • Avoid the three basic "pitfalls" of retirement distribution planning

Social Security is one of the most valuable and least understood benefits available to retirees today. Advance planning is essential, and the decisions you make now can have a tremendous impact on the total amount of benefits you stand to receive over your lifetime.


This course will provide you with much needed information to help you understand the system, coordinate spousal and survivor benefits, minimize taxes, and maximize your personal benefits. 

Whether you’re single, married, divorced, or widowed, there may be ways to maximize the lifetime Social Security benefits you receive. It’s important to have a good understanding of these issues:

  • How married couples can coordinate benefits to help enhance spousal and survivor benefits

  • Claiming a spousal benefit while earning delayed retirement credits 

  • How the "file and suspend", "do over", and "start, stop, restart" strategies work, and how the 2016 changes affect these opportunities!

  • How working could affect your benefits, and the taxability of Social Security benefits

  • How claiming early worker benefits could lower your spousal benefit at full retirement age

  • The effect of remarriage on survivor benefits for widowed and divorced spouses

  • Reduce, or eliminate unwanted expenses or delays with estate planning

  • Understand if your portfolio is truly "diversified"

  • Avoid the 3 basic "pitfalls" of retirement distribution planning

  • When your benefits may begin, and how the age at which you apply will affect the amount you receive

  • How to maximize Social Security benefits and how to minimize taxes on them 

  • Strategies to consider before deciding to apply for benefits

  • How your current employment will affect benefits

  • What to do if you have other income from pensions or IRAs, too

  • What is the future of Social Security and what it means to you

  • When it makes sense to delay benefits and when it does not

  • How the wrong Social Security decision can cost you money

  • How two little known strategies could increase your family income and survivor benefits

  • Can you fix your Social Security election if you made a mistake?

  • How cost-of-living adjustments (COLAs) impact benefits

  • Learn how all your assets fit together with Social Security to fund your quality of life in retirement

The New Reality in Our Retirement
The New Reality in our Social Security Benefits
 New Reality Series ™

Classroom Location


McKimmon Conference & Training Center
1101 Gorman Street
Raleigh, NC 27606


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Office Location


4350 Lassiter at North Hills Avenue

Suite 330

Raleigh, NC 27609