Complimentary Dinner at Stoatin Brae Golf Club in Augusta, MI

Maximizing Your Social Security Benefits & Optimizing Your Tax Strategy

Strategies To Maximize Your Income & Reduce Your Taxation in Retirement

Your choice of grilled and marinated steak or chicken with sautéed mushrooms. Served with a vegetable medley and your choice of starch, salad, roll and dessert.

Event Details

Stoatin Brae Golf Club
15579 E Augusta Dr, 
Augusta, MI 49012

Event Options:

– Stoatin Brae Golf Club on April 23 at 6:00 p.m.

– Stoatin Brae Golf Club on April 25 at 6:00 p.m.

Seating is limited. There is no charge to attend!

Do you have a plan to help maximize your Social Security benefits and minimize your taxes? Social Security may be your largest source of income in retirement while taxes may be your largest expense. Not properly planning for both can lead to less income in retirement. Join us for a special event at Stoatin Brae Golf Club where we will discuss the following important topics:

  • What’s new and changing for Social Security¹ and taxes² in 2024.
  • The changing financial landscape for those approaching retirement.
  • The impact that proposed changes to tax laws, market volatility, high interest rates and rising inflation may have on your retirement income.²
  • Why taxes can be one of your biggest retirement expenses without a proper plan in place.
  • Immediate, actionable steps to protect your savings from heavy, unnecessary “retirement taxes.”
  • How Social Security Benefits relate to, and affect, your taxes in retirement and how to avoid excessive taxation.
  • Little-known claiming strategies, common mistakes to avoid and planning techniques to help you maximize your Social Security benefits.
  • How you can create tax-free retirement income and potentially lower your tax bracket in retirement.
  • Planning for longevity, inflation, and future tax increases to ensure you won’t OUTLIVE your money in retirement.
  • And MUCH more!

Privacy Policy: All information provided is secure and confidential. Please provide valid email and phone number for seminar confirmation purposes. Seating is limited. There is no charge to attend!

Do you have a strategy to maximize your Social Security benefits & minimize your taxation in retirement?
Don’t miss this information-packed event!

Why attend?

This presentation combines two empowering elements:

Professional Insight

Live instruction from knowledgeable financial professionals in an engaging, easy-to-understand format.

Actionable Next Steps

An opportunity to receive a complimentary retirement snapshot analysis for your current plan that will help you understand the best time to take Social Security.

Claiming Your Social Security Benefits at the Wrong Age May Reduce Your Benefits By 57%³

Social Security is one of the most valuable and least understood benefits available to retirees today. Failing to maximize your benefits could potentially leave tens of thousands of dollars on the table.

Join us for an enlightening presentation to learn about the latest strategies to help ensure you’re optimizing your Social Security strategy in conjunction with your overall retirement income and tax strategy. We’ll also talk about strategies to help protect your assets from the impact of market volatility so you don’t outlive your retirement savings.

Meet Your Host

Sarah Saum | Wealth Manager, Candor Wealth Strategies
Sarah Saum’s work in the financial industry has spanned over 15 years. During her tenure she has worked with clients from coast to coast of every demographic. However, she concentrates her focus on the Midwest region, mainly her hometown of Kalamazoo as well as Grand Rapids, Michigan. Also spending time in Chicago and the surrounding suburbs in Illinois where she grew up. With a combined focus of understanding both clients’ long and short-term goals she can create and execute a plan that includes proper financial planning, tax minimization planning and legacy planning.

Through her extensive experience, Sarah has developed a knack for making the financial planning experience one that does not have to be an intimidating experience. She excels in conveying understandable information to her clients, and prides herself on clarity and client understanding while working hard to exceed client expectations. This approach ultimately guides clients by providing the necessary tools to make informed decisions and work together on their financial path to success. Sarah does not take her fiduciary responsibility lightly and is committed to providing the highest level of service to clients through solid morals and ethics that focus solely on clients’ wellbeing.

One of Sarah’s many passions in the financial industry is advocating for and making sure women have a voice and understand their financial situation and goals. This way no matter what life throws at them they are prepared and have a dedicated advisor to lean on for assistance. Too many times she has seen women lose a partner and not know how to proceed in regard to their financial wellness. This sometimes leads to women being misled or taken advantage of. When we help inform ahead of time, then there are less questions and concerns at the time of need.

© 2024 Your Retirement Reality | Privacy Policy





Advisory Services offered through CreativeOne Wealth, LLC an Investment Advisor. Candor Wealth Strategies and CreativeOne Wealth, LLC are not affiliated.

The information contained herein is based on our understanding of current tax law. The tax and legislative information may be subject to change and different interpretations. We recommend that you seek professional legal advice for applicability to your personal situation.


By providing your information, you give consent to be contacted about the possible sale of an insurance or annuity product. Licensed Insurance Professional. Attend and learn how annuities and life insurance can be used in various stages of planning for retirement income. This presentation is not intended to be legal or tax advice. The presenter can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. Investing involves risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. We are not affiliated with any government agency. For more information, please consult a local Social Security Administration office, or visit