You're invited!
Maximize Your Social Security & Survive Market Volatility
Join us for a complimentary, breakfast and eye-opening retirement discussion. We’ll discuss strategies to help you maximize your benefits, avoid costly mistakes, and make the most of your hard-earned income.
- “When should I file to get the most income over time?”
- “Will my Social Security benefits be taxed?”
- “What happens to my spouse’s benefits if I pass away?”
Get the answers to your biggest questions—and walk away with clarity, confidence, and the information you need to help you build a strategy for today’s rules and your retirement goals.
Secure your spot and learn ways to help protect what you’ve built. Complimentary breakfast included. No cost. No pressure. Just clear answers.
Join us for breakfast. Leave with INSIGHTS TO HELP CREATE a MORE EFFECTIVE Social Security strategy.
- Dates
– Wednesday, June 25 at 8:00 a.m.
– Thursday, June 26 at 8:00 a.m.
- Location
Denny’s
522 Ramada Blvd, Collinsville, IL 62234
At this breakfast seminar, we'll discuss:
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How to Help Maximize Lifetime Benefits
Learn how to time your filing to potentially increase your monthly and lifetime payouts.
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Avoiding Unexpected Tax Traps
Discover how Social Security benefits can be taxed—and how smart income planning may help reduce or avoid them.
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Filing Mistakes That Can’t Be Undone
Learn the irreversible mistakes that many retirees make when they file too early or without a strategy.
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Spousal & Survivor Strategies
Know what happens to your spouse’s benefits if something happens to you, and how to file with both of you in mind.
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Coordinating Social Security with Other Income
Understand how your IRA withdrawals, pensions, and investments can impact your benefit—and your tax bill.
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Why the Right Strategy Is So Important
It’s not just about claiming—it's about optimizing. You’ll learn why Social Security is too important to leave to guesswork.
You Worked Hard for Retirement. But Could One Social Security Mistake Cost You Thousands?
You only get one chance to file right. But most people don’t realize that Social Security is full of tax considerations, timing rules, and irreversible choices.
This breakfast event will help you understand how to avoid the most common mistakes—and make informed decisions based on your unique retirement picture.
There's no better time to understand how Social Security fits into your retirement income plan—and how to help protect what you’ve earned.
Why Attend?
01
Preparedness
Filing without a strategy could cost you far more than you realize. This event gives you the tools to prepare wisely.
02
Preservation
We’ll show you how to help reduce taxes on your benefits—and keep more of your income in retirement.
03
Confidence
Whether you’re filing soon or years away, leave knowing how to make the best possible decision for your future.
Protect Your Financial Future.
Your Social Security benefit may be one of your largest retirement income sources. But without a smart plan, it can also become one of your largest missed opportunities.
This seminar will discuss some of the crucial factors many retirees don’t even know they’re exposed to— until it may be too late. Start protecting your future with a seat at this powerful, eye-opening seminar.
Social Security Claiming Strategies
When to file and how to help maximize your lifetime payout.
Avoiding the Social Security Tax Trap
What many retirees don’t know about taxation — and how to plan smarter.
Roth Conversions & Retirement Tax Integration
Why your other accounts may be hurting your benefit (and what to do about it).
Spousal & Survivor Benefit Planning
Help protect your family’s income if something happens to you.
Your EXPERIENCED Presenters
Jason Williams
Retirement By Design
Jason Williams is the principal and founder of Retirement By Design, a wholly-owned subsidiary of E-Cover Me, where he and his team prioritize helping their clients achieve financial stability. As Senior Benefits Advocates, they take a holistic approach to effective distribution planning through appropriate risk management.
Formally trained in retirement planning and business continuation, Jason’s expertise lies in understanding, informing, and helping find strategies for his clients’ issues based on their age, risk tolerance, and long-term financial goals. Specializing in the senior market helps Jason to focus specifically on tax-preferred asset preservation for his clients.
Jason puts his clients’ best interests first to achieve maximum retirement income while controlling risk and providing confidence and financial stability. His focus on building a culture of accountability, integrity, communication, and successful planning are time-tested cornerstones of his practice.
Jason lives in Maryland Heights, Missouri, with his 16-year-old son Jackson. In their free time, they enjoy volunteering at animal shelters, traveling across the country to experience nature and their favorite beaches, and finding recipes from all over the world to make together for their family dinners.
Charlotte Fraser
Retirement By Design
Starting in the insurance and financial industry in 1992, Charlotte Fraser has spent the last three decades of her career helping her clients by utilizing asset preservation and accumulation techniques to help reduce their financial risk. Her focus is on long-term care, life insurance, annuities, and Medicare.
Charlotte’s approach to working with clients on their financial futures in retirement is focused on informing and direction. She enjoys helping to reduce and even potentially eliminate taxes on their Social Security, while still preserving what they have saved throughout their working life. Charlotte’s goal is to always help her clients utilize strategies that receive the highest possible return on their money, while also helping ensure it lasts through retirement and is safely passed on to heirs, churches, or charities.
“I’ve helped hundreds of people navigate Social Security — and I’ve seen what can go wrong when people file without a strategy. My goal is to help people file with confidence and make every dollar count.”
Frequently Asked Questions
What is Your Retirement Reality?
Your Retirement Reality is a national entity that partners with financial professionals all across the U.S. to offer unbiased information on the constantly changing tax laws and retirement strategies. There’s a knowledge gap as retirement approaches, and we’re here to help individuals like you determine the best course of action for your ideal retirement.
Who is this event for?
Our presentation is designed for individuals age 50-70 who are nearing retirement or those who have recently retired. To get the most from our events, attendees should have retirement savings ranging from $250,000 to $5,000,000. This ensures our content and strategies are more applicable to your unique financial situation.
Why are you hosting this event?
The information provided at these seminars is designed to help you better understand retirement planning strategies and potential risks. While the presenter may offer materials or share contact information, there is absolutely no obligation to schedule a meeting or purchase anything.
What’s on the menu?
Your choice of preselected items from Denny’s menu.
Privacy Policy: By providing your email, phone number, and selecting "Yes" for text message reminders, you are consenting to receive communication from Your Retirement Reality. 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!
© 2025 Your Retirement Reality | Privacy Policy
Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. 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.
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. This presentation is for informational purposes only and is not intended to be financial, legal or tax advice. We recommend that you seek professional legal advice for applicability to your personal situation.
By providing your information and/or attending this event, you give consent to be contacted about a discussion of life insurance and annuities or a possible advisory relationship. Attend and learn how insurance or investment products can be used in various stages of retirement planning.
The presenter can provide information, but not specific 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. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.